Austin TX
SFR · TX
- Payment coverage
- 1.43x
- Cash / month
- +$908
- Loan balance
- $207,336
1.00x break-even49% loan-to-value
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Live portfolio aggregator
Portfolio Builder
See how your rentals work together. Add a property, enter its loan and rent, then check your combined cash flow.
Blended DSCR 1.53x across 4 properties
Properties4One card per property
Cash each month+$5,353Rent minus loan payment + escrows
Total equity$1,005,144Value minus remaining loan balances
Your properties
Example portfolio. Edit a property to try your own figures.
Tampa FL
Duplex · FL
- Payment coverage
- 1.57x
- Cash / month
- +$1,521
- Loan balance
- $264,106
1.00x break-even51% loan-to-value
Edit property — Tampa FL
Phoenix AZ
SFR · AZ
- Payment coverage
- 1.42x
- Cash / month
- +$708
- Loan balance
- $152,864
1.00x break-even39% loan-to-value
Edit property — Phoenix AZ
Memphis TN
4-plex · TN
- Payment coverage
- 1.62x
- Cash / month
- +$2,216
- Loan balance
- $345,550
1.00x break-even54% loan-to-value
Edit property — Memphis TN
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Portfolio Health
100STRONG
Reserve coverage: 8.5 mo of portfolio PITIA (required: 6.0 mo)
Track 1 DSCR 40/40
Concentration 20/20
Cash Flow 20/20
Reserves 20/20
Go deeper
Leverage Check
49.1%Portfolio LTV (max 80%)
✓ PASS
Portfolio-wide LTV is 49.1%, within the 80% constraint. All properties meet lender leverage requirements.
DSCR distribution
How your properties are spread across DSCR buckets. Red bars = lenders may decline; green = comfortable approval zone.
DEAL BREAK
0
< 0.85
FRAGILE
0
0.85–1.0
MARGINAL
0
1.0–1.25
SOLID
2
1.25–1.5
SAFE
2
≥ 1.5
Geographic spread
Concentration by state. Over 50% in one state (red) can limit blanket-loan options — Greenstreet's underwriters prefer diversified books.
TX25%
FL25%
AZ25%
TN25%
- Blended DSCR
Combined rent ÷ combined payments. 1.25+ = strong; 1.0–1.24 = qualifies; below 1.0 = fix needed.
- Total Equity
Sum of (property value minus loan balance) across all properties.
- Monthly Cash Flow
Total rent minus total PITIA (full monthly payment including principal, interest, taxes, insurance, and fees) across all properties.
- Weighted Rate
Average interest rate weighted by loan balance — the blended cost of your debt.
Preliminary estimate — not a commitment to lend. Blended DSCR and portfolio aggregates are indicative only; final terms subject to full underwriting and credit approval.
Printed November 9, 2026 · http://127.0.0.1:45643/tools/portfolio
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