1 Deal Inputs All fields adjust live
Property & Purchase
$
Financing
%
$75,000 down, 75% LTV
%
$9,000 closing costs
%
USBF DSCR: 6.0% to 9.5%
Income
$
Operating Expenses
$
$300 / month
$
$125 / month
$
%
%
%
%
Long-Term Assumptions
%
%
%
%
B
Deal Grade
Solid Deal
Pays you $X/mo, returns X%, qualifies for financing.
Score: 72 / 100
Cash to Close
$84,000
Down + closing
Monthly Cash Flow
$245
$245/door
Year 1 ROI
12.4%
CF + paydown + appreciation
2 Investor Gut Check
1% Rule
Rent vs 1% of price
50% Rule
Op expenses vs rent
$200/door
Min cash flow per unit
DSCR ≥ 1.0
Lender approval
3 Returns Dashboard
Cash on Cash
8.5%
Annual return on cash invested
Cap Rate
6.6%
NOI / property value
Annual NOI
$19,800
Net operating income
Annual Cash Flow
$2,940
After debt service
Total Annual Return
$10,440
CF + paydown + appreciation
Tax Savings / yr
$2,094
From depreciation
Break-Even Analysis
Break-even rent$2,455
Rent buffer (how far rent can drop)9%
Break-even occupancy91%
4 30-Year Wealth Projection
Total Wealth Created by Year 10
$184,200
Equity built + cash flow received
Year 5
$72k
$48k equity + $24k cash flow
Year 10
$184k
$120k equity + $64k cash flow
Year 30 (loan paid off)
$840k
$640k equity + $200k cash flow
5 Stress Test: Rent Drops vs Rate Hikes
Each cell shows your monthly cash flow if rent drops by that % AND rate climbs by that amount. Find your break point before you buy.
Profits $200+/mo
$0 - $199/mo
Loses money
6 Lender Approval Check
This is what US Business Funding looks at when underwriting your DSCR loan.
DSCR Ratio
1.13
Qualifies
Monthly PITIA
Principal & Interest$1,690
Property Tax$300
Insurance$125
HOA$0
Total PITIA$2,115
Max Loan at Target DSCR
DSCR 1.00 (min)$262k
DSCR 1.10 (typical)$238k
DSCR 1.25 (best pricing)$210k
Ready to lock in financing on this deal?
Send your numbers to US Business Funding and get a real term sheet in 24 hours. No upfront fees. No tax returns. Closes in 21 days.
Or reach us at: loans@usbizfunding.net · 414.475.7757