Calculator – Rental Equity Funding

Instantly see Refinance Savings, DSCR, LTV, and Qualification

No personal income information or credit check required to run DSCR and refinance scenarios.

DEBT SERVICE COVERAGE RATIO Illustrative information only. Final terms subject to underwriting, appraisal, and market conditions.

Final loan terms, structure, and costs are determined through underwriting and provided on a no-obligation, complimentary, preliminary term sheet.
You may select “Request Preliminary Term Sheet” below to continue. For assistance call: 918-981-2192.

Rental Property Owners — See If You Qualify For Prime DSCR Pricing

Enter your property details below to instantly confirm Qualification, LTV, DSCR, and projected lifetime savings.

✓ Non-owner occupied rentals only
✓ Minimum 650 FICO - Target DSCR ≥ 1.25x
✓ Minimum 720 FICO for Prime tier - Target DSCR ≥ 1.50x+ preferred

Qualified? Tap “Request Preliminary Term Sheet” below to receive a no-obligation, complimentary, preliminary term sheet.

INPUTS

DSCR Program Requirements (Jan 2026) i

Select an option from the left-hand menu to view program requirements.

Loan Type i

Estimated Credit Score i

Property Value ($) i

Property Units i

Requested Loan Amount ($) i

New Loan Term (Years) i

Current Rent In Place (Monthly) i

Other Monthly Income i

Monthly Taxes i

Monthly Insurance i

Monthly HOA / Dues i

Requested Closing Date i

CURRENT LOAN (FOR SAVINGS)

Current Monthly Payment (PITI) i

Current Interest Rate (%) i

Remaining Term (Years) i

Current Remaining Loan Balance i

Guidance: If loan-to-value exceeds 75%, adjust the requested loan amount to observe changes in the “Qualification” panel within the Outputs section.

OUTPUTS

Total Cost Difference Over Remaining Loan Term i

—

Request Preliminary Term Sheet

LTV i

—

Max target: ≤ 75%

DSCR i

—

Target: ≥ 1.25x

QUALIFICATION i

—

PROPOSED LOAN SUMMARY

Estimated Value—

Requested Loan Amount—

Proposed Max Loan (LTV cap)—

Final Loan Amount Used i —

Interest Rate (Estimated)—

Estimated Monthly Payment (PITI) i —

P&I Portion (Estimated)—

Taxes & Insurance (DSCR) + HOA (reference)—

FEES & CASH TO CLOSE

Origination Fee (1.50 pts)—

Broker Fee (1.50 pts)—

Total Points—

Service Fee—

Estimated Prepaid Interest—

Estimated Current Payoff—

Total Estimated Closing Costs—

Loan Amount: —
Borrower Estimated Cash to Close: —

PAYMENT RESERVES

Payment Reserves Required (3 mo)—

Total Funds to Qualify—

REFINANCE SAVINGS

Current Monthly Payment (PITI) —

New Monthly Payment (PITI) - Same Term @ New Rate i —

Monthly Cash Flow Change i —

Illustrative outputs only. Final loan terms, structure, and costs are determined through underwriting and provided on a no-obligation, complimentary, preliminary term sheet.
Please select “Request Preliminary Term Sheet” above, or "Discuss my Rental Options" below to continue.

Discuss my Rental Options