Estimate the full monthly payment — principal, interest, taxes, insurance, HOA.
$
%
yrs
$
$
$
—
Total Monthly Payment
Principal & Interest—
Taxes / mo—
Insurance / mo—
HOA / mo—
Key: Total Payment = P&I + (Taxes ÷ 12) + (Insurance ÷ 12) + HOA. P&I is amortized from loan amount, rate & term.
Affordability (DTI)
How much payment & loan an applicant can support, based on income and debts.
$
$
%
%
yrs
$
—
Max Loan Amount
Max total housing (PITI)—
Max P&I budget—
Housing (front-end) DTI—
Back-end DTI caps total debt (housing + other) at your target %. Conventional often allows ~45–50%; varies by program.
Key: Max PITI = (Income × DTI%) − other debts. Max P&I = PITI − escrow. Max Loan is derived from the P&I budget at the rate & term.
Max Loan — DSCR (reverse)
Enter the rent and a target DSCR — get the max payment and loan the property supports.
$
%
yrs
$
—
Max Supported Loan
Max PITIA (rent ÷ DSCR)—
Max P&I (PITIA − escrow)—
Use this to tell an investor the most they can borrow on a rental at a given DSCR. Confirm exact LTV caps on the matrix.
Key: Max PITIA = Rent ÷ Target DSCR. Max P&I = PITIA − escrow. Max Loan is derived from the P&I at the rate & term.
BRRRR / Cash-Out Recovery
After rehab, how much capital comes back out on the refinance — and how much stays in the deal.
$
%
$
$
$
—
Max Cash-Out Loan (ARV × LTV)
Total all-in cost—
Capital recovered—
Capital left in deal—
Key: Cash-Out Loan = ARV × LTV%. All-in = Purchase + Rehab + Other. Capital Left In = All-in − Loan (negative = cash pulled out beyond your investment).
Bank-Statement Qualifying Income
Estimate Non-QM qualifying income from deposits and an expense factor.
$
%
%
—
Qualifying Monthly Income
Qualifying annual income—
Business accounts commonly count ~50% (expense factor 50%); personal accounts often count higher. A CPA letter can adjust the factor. Confirm per program.
Key: Qualifying Monthly Income = Avg Deposits × Income Factor% × Ownership%. Annual = monthly × 12.
Cash-to-Close Estimate
Ballpark the cash an applicant needs at closing.
$
%
%
$
—
Estimated Cash to Close
Down payment—
Closing costs—
Reserves / other—
Loan amount—
Key: Cash to Close = Down Payment + Closing Costs + Reserves. Down = Price × Down%. Loan = Price − Down.
Refinance Break-Even
How long until the monthly savings pay back the refi closing costs.
$
$
$
—
Break-Even (months)
Monthly savings—
Annual savings—
Key: Monthly Savings = Current Payment − New Payment. Break-Even (months) = Closing Costs ÷ Monthly Savings.
Estimation tools only — rate fields are for math, not quotes. Figures illustrative; program guidelines, LTV/DTI caps, and pricing vary by lender and must be confirmed in writing. Jermaine Fields · NMLS #2067609 · CA & MO · not a commitment to lend.