Refinance calculator
Refinance scenarios should be tested with the new projected payment, not the old mortgage. Use this calculator to see how the post-refinance debt service affects DSCR.
Compare scenarios, copy a shareable link, and print a polished result state built for business-purpose investment property analysis.
Fine-tune the economics of your deal.
Presets
Quick-load an archetype scenario.
Calculation verdict
Provide rent and debt service inputs to awaken the underwriter AI.
A refinance can improve or compress DSCR depending on the new loan amount, rate, term, and payment structure. Use the expected new monthly debt service so the calculator reflects the refinance scenario.
For cash-out refinances, the higher loan amount can increase debt service and reduce DSCR unless rents or expenses improve.
Run more than one version of the payment. Compare conservative, target, and higher-payment scenarios so you understand how sensitive the deal is before requesting lender options.
Calculator FAQ
Yes. Enter the expected post-cash-out payment as monthly debt service and use realistic rent and expenses.
No. A refinance can lower or raise debt service depending on the new loan terms and loan amount.
Ready to check your DSCR? Run the calculator and see your numbers.
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