The Investor Finance Desk · Deal Review

Know whether the deal works
before you spend money.

Run the numbers both ways - the lender's formula and your economics - then submit the scenario for a preliminary Stonehaven review. No obligation, no credit pull at this stage.

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

Step One

Analyze the property.

The deal

Value / price ($)

Purchase price for an acquisition, or your estimate of current value for a refinance. The appraisal governs in underwriting.

Loan amount ($)

The financing you're requesting. Loan ÷ value is your LTV - leverage drives both eligibility and pricing.

Rate estimate (%)

An illustrative rate for modeling only - actual rates vary by program, leverage, credit and market. This is not a quote.

Amortization (yrs)

Years the payment schedule is spread over. 30 is common for residential DSCR; shorter amortization raises the payment and lowers DSCR.

Interest-only qualification

Some programs qualify on the interest-only payment, which raises DSCR. The amortizing payment still arrives later - model both.

Monthly rent ($)

Lease rent or expected market rent. In underwriting, the appraiser's rent analysis usually controls - a low rent opinion is a common deal-changer.

Annual taxes ($)

Use the post-sale tax bill where reassessment applies - not the seller's old bill.

Annual insurance ($)

Landlord policy premium. In some states this line item alone decides whether the deal covers.

HOA / other, mo ($)

Monthly HOA dues plus any other recurring property charge a lender counts in the qualifying payment.

Vacancy (%)

Investor-view assumption for collection loss between tenants. Lenders' DSCR formula ignores it; your bank account doesn't.

Management (%)

Property management as a share of collected rent - even if you self-manage, your time isn't free.

Maintenance (%)

Routine repairs as a share of rent. Older properties run higher.

CapEx reserve (%)

Set-aside for roofs, systems and turns - the expenses that arrive in years, not months.

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-

A deal can pass the lender's formula and still be thin economics. We look at 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.

A preliminary scenario assessment - estimated DSCR, potential financing range, likely documentation and the major risks - with a recommended next step. Not an approval or commitment.

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.

Your scenario is in review. A Stonehaven specialist will respond within one business day.

Know Your Exit

Prepayment penalty explainer.

DSCR loans commonly carry prepayment penalties. If your planned exit lands inside the penalty period, that cost belongs in your math today.

Your exit plan

Loan balance ($)

Illustrative structure

Planned hold (yrs)

Sale / refi in year

Potential penalty exposure

Illustrative structures only. Actual 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 whether the deal works before you spend money.