MyCommercialFunding · (888) 562-1119 · Broker NMLS verified on file
Qualify by Rent,
Not Tax Returns
Lender-accurate DSCR math, 10-lender qualification map, NJ-calibrated property taxes, interest-only modeling. No signup. No gate.
Run Your ScenarioProperty & Loan
All dollar inputs. NJ tax calibrated at 2.2–2.9%.
Loan amount
$262,500
Market pre-pop ~6.125–8.5%
DSCR Verdict
Monthly rent ÷ PITIA. Lender floor mapping below.
PITIA
$2,557/mo
P&I + Tax + Ins + HOA
Monthly Cash Flow
+$243/mo
After debt service
Cap Rate
6.97%
Unlevered yield (NOI / Price)
Cash-on-Cash
0.03%
Annual cash flow / down payment
Lender Qualification Map
A&D Mortgage
No-ratio; 40yr am + 10yr IO
min 0.00
✓ Qualifies
Velocity FlexTerm
Property-value qualifies
min 0.00
✓ Qualifies
CFBank (FDIC)
IO + LLC + STR
min 0.75
✓ Qualifies
Easy Street EasyRent
~0.75 effective
min 0.75
✓ Qualifies
Visio Lending
Firm 1.0
min 1.00
✓ Qualifies
Kiavi
1.10 pre-qual
min 1.00
✓ Qualifies
Lima One Capital
1.20 best pricing
min 1.00
✓ Qualifies
Angel Oak
Fixed + IO
min 1.00
✓ Qualifies
Quontic Bank (FDIC)
CDFI; foreign nat.
min 1.10
✗ Fails
NASB (FDIC)
No prepay
min 1.10
✗ Fails
Get Your Real Quote
This calculator uses lender math, not estimates. For actual rates, prepay terms, and LTC, submit a quick app — no hard pull.
Quick ApplicationDirect to broker network. 40-state coverage. 7–15 day close.
Caveat: NJ property taxes run 2.2–2.9% — materially above national defaults. This calculator pre-populates NJ-level taxes when calibrated for NJ investors (toggle above). Actual underwriting uses the lesser of in-place lease vs Form 1007 market rent — the single biggest DSCR surprise at closing.
Not an offer. Calculated for planning only. Actual rates, LTC, prepay penalties (3–5% Year 1, declining), and lender floors vary by FICO, experience (1+ year ownership for DSCR), property type, and state. Loan amounts $500K–$3.5M (residential DSCR); multifamily $400K–$2M (700+ FICO, DSCR > 1.0 required).
Interest-only note: IO mechanically raises DSCR by reducing PITIA, but creates recast risk at year 11 on 40yr/10yr-IO structures (A&D model). Plan for the payment shock.