Deal Review

Know if it works
before you spend

Run the numbers, then submit your scenario. No credit pull.

Availability varies by state1 business day responseNo credit pull at this stageLender + investor view

Step One

Analyze the property

The deal

Value / price ($)

The appraisal governs.

Loan amount ($)

Loan ÷ value is your LTV.

Rate estimate (%)

Illustrative only. Not a quote.

Amortization (yrs)

30 is common.

Interest-only qualification

Some programs allow it.

Monthly rent ($)

The appraiser's opinion controls.

Annual taxes ($)

Use the post-sale bill, not the seller's.

Annual insurance ($)

Landlord policy premium.

HOA / other, mo ($)

Dues and other recurring charges.

Vacancy (%)

Lenders ignore it. You can't.

Management (%)

Even self-managed, your time isn't free.

Maintenance (%)

Older properties run higher.

CapEx reserve (%)

Roofs, systems and turns.

Estimated lender DSCR

-x

Loan · LTV-

Principal & interest-

Qualifying payment (PITIA)-

Lender DSCR (rent ÷ PITIA)-

Income after vacancy-

Operating expenses-

Estimated NOI-

Debt service (P&I)-

Investor DSCR (NOI ÷ P&I)-

Est. monthly cash flow-

Break-even occupancy-

Passing the formula isn't profit. We show both.

This calculator provides estimates for educational and preliminary scenario-review purposes. It is not an approval, commitment, rate quote or guarantee. Actual calculations, rent treatment and eligibility vary by lender, property, documentation and underwriting. Lender DSCR shown uses the common 1–4 unit convention (gross rent ÷ PITIA); investor figures are conservative estimates based on your assumptions. See how these figures are calculated.

Step Two

Request your deal review

Estimated DSCR, range, documents, risks. Not an approval.

What kind of deal is it?

This shapes which structures we compare.

Deal type

Please choose a deal type.

The property

Address is optional at this stage - state and property type drive program fit.

Property address (optional)

State

Property type

Unit count

Current occupancy

Rental model

Price / est. value ($)

Please complete state, property type and value.

Rent and expenses

Estimates are fine - we flag where the appraisal could move them.

Current monthly rent ($)

Expected market rent ($)

Annual taxes ($)

Annual insurance ($)

Monthly HOA ($)

Other property expenses ($)

Please enter at least the monthly rent.

The financing

What you're asking for, and when.

Requested loan amount ($)

Down payment / equity ($)

Existing loan balance ($) (refi)

Desired close

Expected hold period

Primary goal

Please enter the loan amount and timeline.

Borrower fit

Ranges only - no credit pull at this stage, nothing verified at this stage.

Estimated FICO range

Investment experience

Approx. liquid reserves

Vesting

Mortgage late or major credit event in the last 24 months?

Where do we send the review?

A Stonehaven specialist reviews every submission personally.

Name

Phone

Preferred contact

Please complete name, a valid email, and the consent box.

You'll receive a preliminary scenario assessment - not an approval, preapproval, commitment, rate lock or guarantee. All financing is subject to documentation, valuation, underwriting and program eligibility.

Thank you - received.

A specialist will respond within one business day.

Know Your Exit

Prepayment penalty explainer

If your exit lands inside the penalty period, that cost belongs in today's math.

Your exit plan

Loan balance ($)

Illustrative structure

Planned hold (yrs)

Sale / refi in year

Potential penalty exposure

Illustrative only. Terms vary by lender and state.

Educational tool. Prepayment structures vary by lender and state; some states restrict or prohibit certain penalties. Final loan documents control.

Know if it works before you spend