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Loan Calculator

Run real-time DSCR cash flow, break-even rent, bridge LTC/LTARV, and bank-statement qualification math using your own target rate assumptions.

Live Wholesale PPE & DSCR Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $450,000·Loan/Door: $337,500·Avg Rent/Door: $3,400/mo

Property Value / Purchase Price$450,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,400/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 127 bps · 7500 bps LTV · 6625 bps Rate

1.27x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$337,50033,750,000 _cents

Monthly P&I Debt Service$2,161/mo@ 6.625% Note Rate

Total Monthly PITIA$2,675/moTax: $356 · Ins: $158

Net Monthly Cash Flow+$725/mo$8,702/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,675/mo	1.27x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,731/mo	1.25x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,483/mo	1.37x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Loan Interactive Calculator

Model your investment property numbers with your own target rate assumptions. No hardcoded rates — enter your scenario below and send it to a Loan Daddy loan specialist for wholesale broker options.

Gross Monthly Rent ($)

Loan Amount ($)

Your Target Interest Rate (% — required)

Amortization / Structure

Monthly Property Taxes ($)

Monthly Landlord Insurance ($)

Monthly HOA / Condo Dues ($)

Target DSCR Benchmark

Enter your target interest rate (%) above to calculate monthly PITIA, DSCR ratio, and break-even rent.

For illustrative business-purpose investment modeling only. Calculator outputs use your self-entered assumptions and are not a rate quote, credit decision, or commitment to lend. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143) is a mortgage broker, not a lender.

Get My DSCR Quote

Tell us about the deal and a Loan Daddy loan specialist will follow up. Loan Daddy LLC is a mortgage broker, not a lender.

Name

Phone

Property address (live autocomplete)

Property state

Loan purpose

Property type

Estimated loan amount

Property occupancy (business-purpose only)

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Loan Underwriting Playbooks

2026-11-03 · playbook