Calculators
Run the numbers yourself, with the math shown.
Every calculator here uses your inputs and explains its assumptions. None of them pre-fills a rate, and none of them tells you whether you qualify. That takes a conversation.
DSCR Calculator
Divide a rental's monthly rent by its full PITIA payment to see its DSCR, the break-even rent and the loan size a target ratio supports. No rate quotes.
Open the calculatorBank Statement Income Calculator
Estimate qualifying income from bank statement deposits the way a lender reads them: average the deposits, apply an expense factor, prorate by ownership.
Open the calculatorHome Equity Estimator
Estimate the equity in your home and the size of a line or second lien that a given combined loan-to-value ceiling would allow, using your own value and balance figures.
Open the calculatorHELOC Payment Estimator
See the interest-only payment on a drawn HELOC balance during the draw period, the amortizing payment once repayment begins, and what a rate rise would do to both.
Open the calculatorMortgage Payment Calculator
Estimate a monthly principal-and-interest payment from a loan amount, rate and term you enter, then add taxes, insurance and dues to see the full housing payment.
Open the calculatorAbout these tools
What the calculators can and can't tell you.
Are the calculators accurate?
The arithmetic is accurate; the inputs are yours, and the result is only as good as they are. Each calculator applies standard formulas to the numbers you enter and states its assumptions, but it does not know your actual rate, the lender's guideline, the appraised value, or the taxes and insurance a lender will use. Treat the output as a way to see how the pieces interact and to test scenarios, not as a quote or an approval. Real figures come on a Loan Estimate after a licensed professional has reviewed your file.
Why don't the calculators show rates?
Because a rate on a calculator would be a quote, and no rate that applies to you can be known before a lender has seen your credit, the property and the program you choose. The calculators treat the rate as an input you enter, so you can watch a payment or a coverage ratio move as the rate changes, which is more useful than a single published number that would be wrong for most visitors. Non-QM pricing also varies widely between lenders and changes often. When you are ready for an actual figure, it arrives on a Loan Estimate, alongside the fees and assumptions that make it meaningful.
Is the DSCR calculator a lender guideline?
No. The DSCR calculator divides the rent you enter by the full monthly payment you enter to show the coverage ratio and explains what that ratio means, but it does not set a threshold, and it cannot tell you whether any lender would accept the result. Lenders set their own coverage requirements, decide for themselves what rent counts, and adjust pricing or loan size when a ratio falls below their target, all of which varies by program. A result at or above break-even is a useful signal, not an answer. Use the calculator to understand how rent, price, rate, taxes and insurance interact before you talk to a professional, and let the actual guideline come from the lender.
Run the numbers, then have a person read the file.
Answer a few questions about your goal, the property and how you earn. A RateLogiq mortgage professional reviews your scenario and walks you through the options. No credit check at this step, and no application.