Deal Screen — The Deal Room

The Property

Property type

Units

Purchase price ($)

Rehab budget ($)

Gross annual rent ($)

Vacancy + credit loss (%)

Annual Operating Expenses

Property taxes ($)

Insurance ($)

Utilities ($)

Maintenance + repairs ($)

HOA / association ($)

Other ($)

Management (% of collected)

Replacement reserves (% of collected)

The Financing

Down payment (%)

Interest rate (%)

Amortization (years)

Payment type

Closing costs + points (%)

Lender DSCR minimum

The Hold

Hold period (years)

Exit cap rate (%)

Annual rent growth (%)

Cost of sale (%)

Does It Carry Itself

DSCR — commercial

—

NOI after expenses ÷ principal & interest. This is what a commercial underwriter runs.

DSCR — rental loan

—

Collected rent ÷ PITIA. This is the DSCR-program convention. Same deal, different number — quote the right one.

The Numbers

Net operating income

—

Cap rate on purchase

—

NOI ÷ price

Monthly debt service

—

Monthly cash flow

—

After debt service

Cash to close

—

Down + costs + rehab

Cash on cash

—

Year one, annualized

Max loan — by LTV

—

Leverage ceiling

Max loan — by DSCR

—

Value at exit

—

NOI at exit ÷ exit cap

Equity at exit

—

After payoff and cost of sale

Programs This Deal Fits

Fit is based on property type and loan size against published program parameters. It is not a quote, a pre-qualification, or a commitment. Rates and final terms come from the lender.