Free tool
Model three financing scenarios side by side. The full state lives in the URL, so any scenario is one share away.
Three scenarios
20% down · 10y term · 11.5%
Loan should service
Realistic case
10% down · 10y term · 10.5%
Loan should service
10% down · 25y term · 10%
Loan should service
What this tells you
DSCR is annual cash flow divided by annual debt service. Lenders want to see at least 1.25x to underwrite the loan comfortably. Below 1.0x means cash flow does not cover the payment.
Rates approximate SBA 7(a) prime-based variable as of June 2026. Calculator state is encoded in the URL so any scenario can be shared or bookmarked.