⚠ DSCR Below 1.0 — Manager Approval Required

The calculated DSCR for this loan is below 1.0, which is below the 1.00x program minimum and requires manager approval as an exception. Confirming will price the loan so it can be saved; you can still pencil-override the Note Rate and Origination Points if your manager approved different terms. Cancel returns to the form so you can adjust the inputs instead.

DSCR Loan Sizer

Rental property · 1–4 units · Long-term financing

DSCR — 1–4 Unit Rental Loans

Admin Mode Sandbox — manual rate & points, LTV caps off, fully editable fees. Build any rate sheet; it prints with your inputs.

Manual Rate (%) *

Origination Points *

Custom Fees — origination is driven by the points above

Broker Deal Toggle on when a broker is sourcing the deal — borrower details captured at loan acceptance.

Borrower Name *

Borrower Email *

Borrower Phone (optional)

Property Address *

Loan Amount *

Est. Value / Purchase Price *

LTV

Loan Type

Interest Only *

Loan Purpose *

Property Type *

Stated FICO Score *

Income & Monthly Expenses

Monthly Gross Rent *

Monthly Taxes

Monthly Insurance

Monthly HOA

DSCR Rent ÷ (PI + Taxes + Insurance + HOA) —

Terms

Prepayment Penalty *

Buy-Down Points *

▶ Advanced — Broker Fee

Broker Fee (points)

Broker Processing Fee ($)

⚑ Pricing Overwrite Active Manual values applied to one or more pricing fields.

Fill in the loan details on the left
and click Get Rate to see your pricing.

SLA Capital Fees

Underwriting Fee$995

Doc Prep Fee$700

Legal Fee$500

Desktop Analysis$120

Total$2,315

Reference only — see rate sheet for current pricing.

Updating rates: edit dscr-pricing.js (const DIYA + effectiveDate) → run pricing tests → redeploy. | Hidden TPO: HIDDEN_TPO_ADJ: 0.280 (= 1.00%, locked). | Buy-down applies as a separate adjustment from DIYA.rateBuydown (Deploy 236.39).

⚠ Manual Pricing Override

⚠ DSCR Below 1.0 — Manager Approval Required

DSCR Loan Sizer