Underwrite a property before you make an offer.
Enter your numbers for an after-repair value range, DSCR run two ways, a certainty score and year-1 depreciation.
Some of the data behind these figures is out of date. The figures are illustrative until it is refreshed.
- ZIP-level homeowners premiums (calculator ZIP seed): last verified January 2022, past its 365-day review cycle.
Adjust the deal inputs — results update as you type.
New to BRRRR math? Can you BRRRR with a DSCR loan? →
Printed November 9, 2026 · http://127.0.0.1:45643/tools/perfect-property
Off-Market Distress Deals & Outreach Engine
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Certainty score — how much of this deal the model can pin down
80/100
Certainty Score Summary
Model estimate: a 86.2% likelihood of positive net cash flow over a 5-year hold.
What moves the certainty score
Factor contributions are added, then the total is bounded between 45 and 99.
- Lender coverage (Track 1 DSCR)+50 points
- Investor cash flow (Track 2 survives 1.00x)+10 points
- Leverage (LTV at or under 75%)+20 points
Track 1: Lender DSCR
1.25x
Monthly PITIA Payment: $2,721
Strong coverage
Track 2: Investor Net Carry
-$273/mo
Net Track 2 DSCR: 0.90x
After 7% vacancy, 8% management, 8% maintenance, and 5% CapEx reserves.
Est. Year-1 Bonus Depreciation
$76,670
State prepayment-penalty status
Varies by property state — see State Rules
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. Using them against wages and other ordinary income generally takes real estate professional status plus material participation in the rental, or material participation in a short-term rental; otherwise the passive-loss limits apply.
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
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