Run the numbers before you call the lender
Free calculators for DSCR, layered debt and preferred equity, HELOCs, fix and flips, and loan payments. Change any number and the results update instantly.
Compare monthly payments across five loan amounts at the same rate and term. Switch to interest-only to see bridge, hard money, or HELOC draw-period payments.
Terms
Loan amounts to compare
Payment by loan amount
| Loan amount | Monthly payment | Annual debt service | Total interest |
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See how a rental or commercial property covers its debt, from the first mortgage through a second-position loan and preferred equity. Shows the residential DSCR lenders use (rent ÷ PITIA) and the commercial NOI method.
Property income
Expenses
1st position loan
2nd position loan / HELOC
Preferred equity
Lender target
Capital stack
Coverage by layer (NOI method)
Bars fill toward 2.0x. The tick marks 1.0x, where NOI exactly covers the payments. Commercial lenders usually want 1.20–1.35x on the senior loan.
Monthly breakdown
Estimate your loan, cash needed, and profit on a fix and flip. The calculator applies the lender's loan-to-ARV cap and shows if you'd need to bring extra cash.
The deal
Financing
Lenders typically cap at 75% of ARV for experienced investors and 70% for new investors.
Where the ARV goes
Deal breakdown
See how big a line your equity supports, what you'd pay during the interest-only draw period, and what the payment becomes once repayment starts.
Your equity
The line
Your equity, split up
Details
Build a full amortization schedule. Add an interest-only period or extra monthly principal to see how much interest you save and how much sooner you pay off.
Loan
Balance and interest paid over time
Schedule
These are estimates. Send us the deal and we'll come back with real terms from lenders that fit it.
Book a free call with MattFor illustration only. Results are estimates based on the numbers you enter and are not a loan offer, rate quote, or commitment to lend. Actual rates, leverage, and terms depend on the property, borrower, lender, and market, and are subject to underwriting and approval. Nomad Capital Solutions is a loan broker, not a direct lender.
Nomad Capital Solutions
Private money, commercial, and business funding for real estate investors, developers, and business owners. No upfront fees.
Nomad Capital Solutions is a loan broker, not a direct lender, and does not make credit decisions. All loans are subject to lender underwriting and approval. Rates and terms vary and may change without notice. Nothing on this site is a commitment to lend.
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