Model rental income, expenses, PITIA, and debt-service coverage in seconds.
Coverage is rental income divided by the monthly payment including taxes, insurance and HOA. Rates here are illustrations, not live pricing.
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| Loan amount | Payment type | 6.250% | 6.500% | 6.750% |
|---|---|---|---|---|
| $400,000 LTV: 66.67% | PITI (30yr) | 1.14 | 1.12 | 1.10 |
| (Monthly payment) | $3063 | $3128 | $3194 | |
| Interest only | 1.30 | 1.27 | 1.23 | |
| $450,000 LTV: 75.00% | PITI (30yr) | 1.04 | 1.02 | 0.99 |
| (Monthly payment) | $3371 | $3444 | $3519 | |
| Interest only | 1.19 | 1.15 | 1.12 | |
| $500,000 LTV: 83.33% | PITI (30yr) | 0.95 | 0.93 | 0.91 |
| (Monthly payment) | $3679 | $3760 | $3843 | |
| Interest only | 1.09 | 1.06 | 1.03 |
Bold marks coverage of 1.25 or higher. Shaded cells fall below 1.00.
The blended rate calculator combines a new second lien with the current first mortgage and compares the result against a new first, showing the blended interest rate, each loan's weight, and the combined monthly payment. The DSCR coverage calculator takes rental income and monthly expenses and shows coverage by rate and loan amount. Both are planning tools for brokers; final terms depend on the program, the property and the borrower, and a scenario is confirmed in PriceIQ or with the Deal Desk before it is quoted.
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