Compare Loan Structures
See how different loan structures impact your cash flow and returns side-by-side.
Some of the data behind these figures is out of date.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.
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That IRR assumes the property is sold in year 5 for $503,561 (0.7% against the $500,000 purchase price), because it values the exit at a 5.42% cap against this scenario's 4.67% entry cap — a 0.75% spread. No appreciation rate is assumed — any gap between the two prices comes from NOI growth outrunning that spread, not from an assumed appreciation rate. Change the exit cap and this number moves more than any other input on the page.
Five-year after-tax IRR is shown only for the fixed-rate structure — the interest-only and ARM cards read "not modeled" because this returns model doesn't simulate their payment changes over time.
Each card runs the same deal through the site's DSCR engine. The loan is the purchase price less your down payment, the rent is the monthly rent you enter, and taxes and insurance come from the site's per-state tables for the scenario named under Model assumptions. Only the structure changes between the cards: a fixed rate, an interest-only period and an ARM.
DSCR on each card is the qualifying rent divided by PITIA. On the interest-only card the payment is interest only, so the card also shows the DSCR after the IO period, when the full balance amortizes over the years that remain. First-year cash-on-cash applies Track 2's expense model to the cash paid at closing — reserves are not counted as invested — and the after-tax IRR is shown for the fixed-rate structure only, with the exit valued at this scenario's own entry cap plus a documented spread.
A structure that clears on its interest-only payment may not clear after the recast, so read the post-IO figure before choosing interest-only.
The site sizes a comfortable pass at 1.10x, not at the bare 1.00x, where the rent covers the payment with nothing to spare. That is a sizing convention, not a program floor: programs set their own minimums, and the published rated floors run from 0.75x to 1.00x.
Interest-only availability is set program by program: Greenstreet Aspen lists “Fixed + ARM + I/O” and Greenstreet Willow lists “I/O at 700+ FICO”.
Results are educational estimates, not a rate quote, approval, tax advice or provider commitment.
Keep readingGlossary: interest-onlyGlossary: DSCR cushionFAQ: how can I improve my DSCR?DSCR Calculator
Printed November 9, 2026 · http://127.0.0.1:45643/tools/structure-optimizer
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