Investor Tools & Calculators
Run the numbers before you submit. This suite is the same arithmetic a deal review runs — debt coverage, maximum offer, yield, cash flow, and renovation budget. Nothing here is a quote or an approval. It is the math that tells you, in a few minutes, whether a deal is worth building a full file around.
Every RECR program is decided on numbers, not narrative. The faster you can show a defensible after-repair value, a realistic budget, and an exit the market supports, the faster a preliminary review can give you a real answer. These calculators help you arrive with those numbers already in hand.
Every calculator on this page returns an estimate for planning only. Results are illustrative, are not a quote or an approval, and depend on inputs you supply. Independent valuation and underwriting govern any actual transaction.
Eight Calculators, One Deal Workflow
Each tool answers one question underwriting will ask. Use them in roughly the order below and you will have most of a preliminary file before you ever submit.
DSCR Calculator
Test whether a rental's income covers its full monthly debt service before you submit.
Open calculator →Maximum Allowable Offer
Work backward from ARV to the highest price a flip or rehab can actually support.
Open calculator →Cap Rate Calculator
Measure unlevered yield on a commercial or multifamily acquisition at your price.
Open calculator →Cash Flow Calculator
Project monthly and annual cash flow after every operating cost and reserve.
Open calculator →Rehab Budget Worksheet
Build a line-item renovation budget by trade — the kind a review will actually accept.
Open worksheet →Deal Analyzer
Run purchase, rehab, ARV, and exit through a single summary of the whole project.
Open analyzer →Deal Submission Checklist
Everything a preliminary review needs to give you a fast, honest read — in one list.
Open checklist →Proof of Funds Guide
Understand what a proof-of-funds request means and how to prepare for one.
Open guide →From a Property Address to a Submittable File
A preliminary review takes about five inputs. These tools produce every one of them. Here is the sequence we would follow with a deal in front of us.
1. Establish value and the offer ceiling
Everything begins with a defensible after-repair value. Pull three to five genuinely comparable sales — same submarket, similar size, similar finish level, closed recently — and settle on an ARV you could defend to an appraiser rather than the number you wish were true. That single figure drives almost every decision that follows.
Once you have it, the Maximum Allowable Offer calculator works backward from ARV to the highest price the project can carry. This matters twice over: it stops you overpaying, and it tells you immediately whether a purchase-and-rehab deal can fit the confirmed RECR gate — total project cost within 70% of ARV. If the offer that makes the deal work is far below what the seller wants, you have learned that in two minutes instead of two weeks.
2. Price the renovation honestly
A round number is not a budget. The rehab budget worksheet forces a line-item scope by trade with a contingency line, which is exactly what a review looks for. Underwriting rarely rejects a deal for a large rehab; it rejects deals for a rehab that was clearly guessed. Build the budget in detail and you remove the single most common reason a file stalls.
3. Confirm the exit
Every deal needs a credible way out. For a flip, that is a sale price the comps support after selling and holding costs. For a hold, it is rent that covers the debt. The DSCR calculator checks whether a rental's income covers its full monthly obligation, and the cap rate calculator measures the unlevered yield on a commercial or multifamily purchase. If the exit does not underwrite, no amount of capital fixes the deal.
4. Stress the cash flow
Debt coverage is a ratio; cash flow is what actually lands in the account. The cash flow calculator subtracts every real operating cost — taxes, insurance, management, maintenance, vacancy, and reserves — so you see the number after the optimism is stripped out. A deal that looks strong on a headline rent can be thin once vacancy and capital reserves are honest.
5. Assemble and pressure-test the whole deal
The deal analyzer pulls purchase, rehab, ARV, and exit into one summary so you can see the project the way a reviewer will. Before you send anything, the deal submission checklist confirms you have the address, the contract or LOI, the line-item budget, the ARV support, and an experience summary ready — the difference between a same-day read and a week of back-and-forth. If a capital partner has asked you to show liquidity, the proof of funds guide explains what that request means and how to prepare.
What these tools are not
They are planning instruments, not decisions. None of them approves a deal, sets a rate, or commits capital. They use the inputs you provide, and real numbers move under appraisal, inspection, and underwriting. Their job is to tell you quickly whether a deal is worth a full look — and to help you present it well when it is.
When the numbers hold together, the next step is a person, not a spreadsheet. Send the address, purchase price, rehab budget, and your ARV support and a preliminary deal review can give you a first read on fit.
Match a Calculation to a Funding Path
Each tool feeds a specific program conversation. Follow the anchor from a result straight to the path it supports.
Rental & income property
Debt coverage and cash flow decide a rental. Run the ratio, then take a qualifying deal to the rental program.
- DSCR calculator — does the rent cover the debt?
- Cash flow calculator — what is left after costs?
- Rental & DSCR financing — the program itself
Fix, flip & purchase-rehab
Offer discipline and a real budget decide a rehab. Set the ceiling, price the work, then explore the higher-leverage path.
- Maximum allowable offer — the highest price that works
- Fix & flip financing — active renovation for resale
- 100% purchase & rehab — the 70%-of-ARV structure
Numbers Hold Up? Let's Look at the Deal.
Send the address, purchase price, rehab budget, and ARV support. That is enough for a first read on fit — no full application required to find out whether a structure works.