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Mortgage Today
Investor Calculators

Underwrite the deal and the financing.

Tools for real-estate investors: fix-and-flip ROI, rental property cash flow analysis, BRRRR modeling, and the DSCR math that drives investor deals.

How these tools work

Investor calculators focus on pre-tax cash flow, professional deal analysis, and DSCR/short-term financing math. These tools model a deal the way a lender or seasoned operator would. DSCR (Debt Service Coverage Ratio) programs underwrite the deal's ability to pay the mortgage rather than the borrower's personal income. Fix & Flip projects net profit and ROI on a short-hold renovation. BRRRR layers in rehab and a cash-out refinance to recycle capital. These tools are educational—real underwriting will account for your full profile, property appraisals, and current market rates.

Frequently asked questions

Who are these calculators for?
Real estate investors who buy single-family or small multi-family rentals and want to run the numbers before making an offer or a refi decision.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property off the property's rental income instead of the borrower's personal income. Lenders size the loan using the ratio of rent to the full mortgage payment with taxes, insurance, and HOA.
What is BRRRR?
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It is a strategy where an investor buys a distressed property, renovates it to add value, rents it out, and then performs a cash-out refinance to pull their initial capital back out for the next deal.
What calculators do investors need before buying a rental?
Start with a cash-flow analysis that includes NOI, cap rate, and cash-on-cash return. Use a quick-screen tool (1% Rule, 50% Rule, GRM) first to decide whether the deal is worth a full underwrite.

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