Plug in 7 numbers.
Get the full verdict.
Enter price, rent and down payment to see if the rent covers the payment, then run the full buy decision.
Some of the data behind these figures is out of date. The figures are illustrative until it is refreshed.
- DSCR rate anchor & pricing grid: last verified June 2026, past its 30-day review cycle.
- ZIP-level homeowners premiums (calculator ZIP seed): last verified January 2022, past its 365-day review cycle.
Gross coverage, negative economics
Gross rent ÷ PITIA is 1.08x, but after modeled vacancy, management, and maintenance the ratio is 0.78x — below 1.00. This is a modeled warning, not an approval or provider decision.
Negative leverage · 8.0% debt vs 4.5% cap
Loan constant 7.98% > cap rate 4.49% — 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.
Should you buy it?
Six gates decide PROCEED, RESTRUCTURE or WALK AWAY, with the return, the programs and a credit memo. It adds your credit, how you hold the property, your reserves and your exit to the deal above.
Why this verdict
6 criteria flagged3 of 7
Insurance Unconfirmed in High-Risk Zone — Texas Gulf Coast (Wind/Hurricane): Insurance is a KILL CRITERION. In a high-risk zone an unbound premium is the single most common cause of a deal repricing after the fact. Do not proceed until a bindable quote is in hand. Stress-test Year 3 at +25%.
Insurance Unconfirmed in High-Risk Zone (BLOCKER): Texas Gulf Coast (Wind/Hurricane): Insurance is a KILL CRITERION. In a high-risk zone an unbound premium is the single most common cause of a deal repricing after the fact. Do not proceed until a bindable quote is in hand. Stress-test Year 3 at +25%.
Bindable Insurance Quote Not Confirmed (WARNING): The annual insurance input is an estimate until a bindable quote or binder is confirmed.
Eligible Reserve Evidence Not Documented (WARNING): Reserve assets are not documented as eligible and retained after closing. Self-reported balances are not lender verification.
Appraisal Rent Break Point Exceeded (WARNING): Appraisal break point 6.40% > 4.83% threshold.
Reserves Below Conservative Cushion (WARNING): Liquid reserves $25,000 clear the $19,094 lender minimum but fall short of the $28,641 conservative planning figure.
Track 2 Negative Carry (ACKNOWLEDGMENT): Track 2 DSCR 0.769 < 1.0 — deal qualifies but loses money monthly. Monthly bleed is $734/mo. No acknowledgment is on file.
FAIL · No hard blockers: requires 0 BLOCKER criteria triggered; deal shows 1 triggered (Insurance Unconfirmed in High-Risk Zone)
CLEAR · At least one Greenstreet program potentially available: requires ≥ 1 Greenstreet program potentially available; deal shows 7 potentially available of 7 programs
CLEAR · Track 1 cushion above the lender floor: requires Track 1 DSCR ≥ 0.800 (floor 0.75 + 0.05 cushion); deal shows Track 1 DSCR 1.068
FAIL · Track 2 carry, or an acknowledged thesis: requires Track 2 DSCR ≥ 1.000, or an explicit acknowledgment with a $/mo thesis that covers the bleed; deal shows Track 2 DSCR 0.769 — no acknowledgment on file
FAIL · Return grade B or better: requires Return grade ≤ B on after-tax IRR; deal shows grade D on after-tax IRR 4.5%
CLEAR · Rate headroom before the deal breaks: requires ≥ 50 bps; deal shows 99 bps
FAIL · Manual underwriting evidence review: requires Current state/PPP, bindable insurance, and documented eligible reserves recorded; deal shows Bindable Insurance Quote Not Confirmed; Eligible Reserve Evidence Not Documented; Conservative Reserve Shortfall
Programs checked
Every Greenstreet program is checked, available or not7 of 7
Greenstreet Maple · DSCR floor 0.75 · Potentially available
Greenstreet Oak · DSCR floor 0.75 · Potentially available
Greenstreet Birch · DSCR floor 0.00 · Potentially available
Greenstreet Cedar · DSCR floor 0.75 · Potentially available
Greenstreet Aspen · DSCR floor 0.75 · Potentially available
Greenstreet Willow · DSCR floor 0.80 · Potentially available
Greenstreet Magnolia · DSCR floor 1.00 · Potentially available
Assumptions and sources
Where the program terms come from, with their as-of month
Program matrix from our wholesale lending partner · as of June 2026 · Program availability, LTV caps and the program DSCR floor used by the verdict.
Rate calibration · as of June 2026 · The solved note rate, the deal-break rate and the rate-headroom gate.
Federal tax rules (OBBBA, §1250 recapture) · as of June 2026 · Depreciation, interest deduction and recapture inside the after-tax IRR.
State property-insurance base rates · as of June 2026 · Insurance is a user input here; this table is the fallback the engine would otherwise use.
Go deeper
Next step: Screen the complete scenario against the current published program grid before relying on a structure.
DSCR — rent ÷ payment
1.0–1.25x = modeled rent covers payment
Rent vs PITIA (full monthly payment)
$3,400 rent · $3,150 PITIA
No state prepayment-penalty restrictions for business-purpose DSCR.
Standard pricing applies.
Underwriting credit memo (draft)
Qualifies at 1.00x+ Standard Benchmark
Subject property in TX valued at $425,000 with $318,750 debt (75% LTV at 7.00%). Monthly gross rent of $3,400 yields a 1.08x DSCR and 5.98% Debt Yield. The deal satisfies core lender requirements but benefits from LTV optimization.
Key Deal Strengths
✓ DSCR of 1.08x satisfies base 1.00x debt coverage criteria.
✓ Lease rent is fully aligned with appraised 1007 market rent.
Underwriting Risk Factors
▲ Thin Debt Yield of 5.98% (<7.0%) signals elevated capital risk for lender.
▲ Negative leverage: Cap rate (4.49%) 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 59% to hit 1.25x DSCR tier-1 pricing.
What you modeled
To compare with a saved deal, save one on the DSCR calculator.
Market data as of January 2026. Rates, lender terms, and state rules are dated research — verify with current sources before relying on them. 2 of 10 datasets are past twice their review cycle; treat those figures as provisional.
Printed November 9, 2026 · http://127.0.0.1:45643/deal-analyzer
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