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Deal Analyzer · Full underwrite

Plug in 7 numbers.
Get the full verdict.

DSCR (whether the property's rent can cover the loan payment — 1.00 = break-even; higher is stronger), PITIA (the full monthly payment — principal, interest, taxes, insurance, and HOA), cash flow, cap rate, debt yield, state prepayment penalty rule, and your live Greenstreet program shortlist — from one screen.

Run the analyzer
PITIA / mo
$3,009
Monthly rent
$3,000
Cap rate
4.02%
Debt yield
5.35%
Cash flow / mo
$-9
Deal verdict
1.00x
SUB-1.0
Live deal analyzer

Seven fields in. Full underwrite out.

Adjust any number and the DSCR, cash flow, and educational screening notes update instantly. Estimates are fine.

Property inputs

60-Second Mode: Plug in price, down payment, and rent. Taxes, insurance, & rates are auto-estimated.

Purchase Price
$
Down Payment25%
Monthly Rent
$
1.00xSUB-1.0
Below 1.0 — modeled rent falls short of the full payment.

Some published grids include sub-1.0 paths, but credit, leverage, loan amount, reserves, and transaction details determine whether a current path exists.

Next step: Review the exact inputs and current program grid; do not treat this ratio alone as an eligibility decision.

Negative leverage · 8.0% debt vs 4.0% cap

Loan constant 7.98% > cap rate 4.02% — negative leverage. Your debt costs more than the property yields, so every borrowed dollar drags the return down. The case rests on appreciation, paydown, and tax — not cash yield.

DSCR — rent ÷ payment
1.00x
0.75–1.0x = modeled payment shortfall
Rent vs PITIA (full monthly payment)
RentPay
$3,000 rent$3,009 PITIA
$-9
cash flow / mo
shortfall
-7.0%
cash-on-cash
negative
4.02%
cap rate
thin
5.35%
debt yield
marginal
LTV (loan ÷ value)
75%
within standard limits
Loan amount
$318,750
P&I / mo
$2,121
State prepayment penalty rule — TX

A prepayment penalty is a fee some loans charge if you pay off or refinance early. Some states restrict or ban them, which affects lender participation and pricing.

No state prepayment-penalty restrictions for business-purpose DSCR.

Standard pricing applies.

🧠 AI Underwriter Credit Memo
Sub-1.00x Exception Program Fit

Subject property in TX valued at $425,000 with $318,750 debt (75% LTV at 7.00%). Monthly gross rent of $3,000 yields a 1.00x DSCR and 5.35% Debt Yield. The transaction qualifies under sub-1.0x specialty guidelines with compensating liquidity.

Key Deal Strengths
✓ Lease rent is fully aligned with appraised 1007 market rent.
Underwriting Risk Factors
⚠️ DSCR of 1.00x requires a sub-1.0 lender program overlay.
⚠️ Thin Debt Yield of 5.35% (<7.0%) signals elevated capital risk for lender.
⚠️ Negative leverage: Cap rate (4.02%) is below note rate (7.00%), squeezing investor cash flow.
Recommended Structuring Fixes
💡 Increase down payment from 25% to 35% to eliminate negative leverage.
💡 Adjust LTV from 75% down to 53% to hit 1.25x DSCR tier-1 pricing.
What you modeled

Educational summary only — not a program match, eligibility decision, rate quote, or approval.

Current rate input7.000% assumption
Modeled payment coverage1.00x DSCR
Modeled leverage75.0% LTV

Preliminary educational estimate — not a commitment to lend, program match, eligibility decision, or rate quote. Verify all inputs and current program terms through a provider-specific review.

Market data as of January 2026. Rates, lender terms, and state rules are dated research — verify with current sources before relying on them. 4 of 10 datasets are past twice their review cycle; treat those figures as provisional.

Next step

Numbers modeled? Verify the scenario.

This screen organizes modeled inputs. A complete review still needs verified borrower, property, appraisal, reserves, transaction, and current program information.