Enter the rent, the carrying costs, and the rates your lender quoted, then press Run. Every LTV and prepay combination is computed and ranked here — and any combination without a rate is reported as unpriced rather than guessed.
What this is. A structuring solver for investor loans. It computes PITI for each loan amount, rate and amortization you enter, divides the market rent by it to get the debt service coverage ratio, and ranks the combinations that reach your target — highest LTV first (least cash in), then shortest prepay. It does not price a loan, quote a rate, or read any lender's guidelines. Investor rates are per-lender and not public: you supply them, and a combination you leave blank abstains. Market rent is normally the appraiser's figure — Form 1007 for one unit, 1025 for two to four — though many investor programs use the lower of the lease or market rent, so enter what your lender uses. The lending call stays with the lender. Nothing you enter about the deal is uploaded or stored — the scenario runs in your browser, and no borrower detail is needed. The email the tool asks for on your first run is your run key; it is stored to count your free runs, and it is the only thing you type that leaves the page.