Underwrite a property before you make an offer.
Enter an address and your numbers. Get a projected after-repair value range, DSCR (debt-service coverage ratio — whether rent covers the loan payment) run two ways — for the lender and for your actual cash flow — plus a certainty score bounded by both, and year-1 bonus depreciation under 2025's federal tax law (OBBBA).
For your own notes. The analysis below runs on the numbers you enter, so it does not change with the type you pick.
Off-Market Distress Deals & Outreach Engine
Choose the property. Then choose the debt.
Every rental model has a different income story, operating burden, and leverage ceiling. Select a property lens to see the case for it, the friction against it, and the evidence an underwriter will ask for.
Reserves are months of PITIA liquidity. An em dash means that lens is assessed per file — the numbers are set on the deal, not that leverage is unavailable. Figures are program parameters shown for comparison across property types, not an offer of credit. Greenstreet is a mortgage broker; terms, pricing, and eligibility are set by the lender on each file.
Single Family Rental (SFR)
Single Family Residential is the bedrock of DSCR lending. Qualification is 100% property-based using appraised market rent (FNMA Form 1007) or active lease agreement.
- Built for
- Buy-and-Hold Investors seeking long-term debt lock with zero W-2/Tax Return friction.
- Debt path
- 30-Year Fixed or 5/6 ARM
- Income evidence
- LOWER of Signed Lease or Form 1007 Appraisal Market Rent
Why this loan fits
A 30-Year Fixed DSCR loan locks low debt service for three decades with no refinancing risk. Switch to a 5/6 ARM if initial rate buydown is needed to clear 1.25x DSCR.
Tax and depreciation note
Reclassify 20–25% of building basis into 5/7/15-year bonus depreciation under OBBBA rules, creating massive year-1 passive loss offsets.
Decision checkpoint
Stress one full vacancy, a major system replacement, and realistic property-management costs before relying on the headline cash flow.
The investment case
- Deep tenant demand and familiar lease structures in most markets
- Straightforward comparable sales can support valuation and resale
- Simpler operations than multi-tenant or mixed-use properties
The operating friction
- One vacancy can remove the property's entire rental income
- A major repair is supported by only one rent stream
- Scaling a scattered portfolio can increase travel and vendor complexity
- 01
No personal tax returns, W-2s, or DTI calculation required
- 02
Qualify at 0.75x–1.00x DSCR with LTV adjustments (up to 80% LTV at 1.25x+)
- 03
Borrower can vest in an LLC, S-Corp, C-Corp, or Individual name
- 04
Prepayment-penalty rules encoded for 47 states and DC, each with its statutory citation — including the common 5/4/3/2/1 and 3/2/1 step-downs, where the fee shrinks every year you hold the loan