Investor Analyzer | The Handy Lender™

Strategy Fit Analysis Updates as you adjust inputs

Click any strategy to confirm & recalibrate entire analysis

⬆ Engine auto-selected the best fit based on your numbers. Click any card to override.

Property & Income Auto-adjusting to strategy

Purchase price

$400,000

↑ Adjusted by strategy

Monthly gross rent

$2,600

Vacancy rate

5.0%

Annual appreciation

3.00%/yr

↑ Adjusted by strategy

Operating Expenses

Property taxes /yr

$4,000

Insurance /yr

$1,600

HOA / other /mo

$0

Property mgmt %

8.0%

↑ Adjusted by strategy

CapEx reserve %

5.0%

Rent growth /yr

2.00%/yr

Expense growth /yr

2.50%/yr

Loan Parameters

Conventional rate

7.250%

Full income qualification

DSCR rate

7.875%

No income docs · rent qualifies

Portfolio / Bridge rate

8.500%

Flexible · asset-based

Loan term

30 yrs

↑ Adjusted by strategy

Acquisition Costs

Down payment %

25%

↑ Adjusted by strategy

Closing costs ($)

$7,500

Points (% of loan)

0.000%

Inspection / appraisal

$600

Reserves (months PITI)

3 mo

Total cash to close—

Down payment—

Points cost—

Reserves estimate—

Note: All inputs update the Strategy Fit Analysis in real time. The engine scores all six investor strategies against your numbers and surfaces the best fit. Click any strategy pill to override and recalibrate the entire analysis.

Monthly Cash Flow Components

DSCR shown as Rent÷P&I (lender method) and Rent÷PITIA (full method). Actual DSCR thresholds vary by lender. Cash flow is pre-tax. Equal Housing Lender.

Weighted Strategy Score by Loan Type

Strategy score weights cash flow, IRR, equity gain, risk, and capital efficiency differently per strategy. Cap rate is a property metric independent of financing. Equal Housing Lender.

Exit Assumptions Hold period set by strategy

Selling costs at exit

6.00%

Total Wealth Built Over Time Equity at sale + cumulative cash flow

Total wealth = projected sale minus remaining loan minus selling costs, plus cumulative cash flow. Projections are hypothetical. Equal Housing Lender.

Cumulative Cash Flow — 10 Years

Break-even rent is gross monthly rent at which monthly cash flow = zero. Months-to-recoup includes appreciation and cumulative cash flow vs. total cash invested. Equal Housing Lender.

Rehab & Value-Add Inputs Highlighted for BRRRR strategy

Rehab budget

$35,000

After-repair value (ARV)

$520,000

Rent after rehab /mo

$3,000

Rehab timeline (months)

4 mo

BRRRR — Refinance After Stabilization

Refi rate (post-rehab)

7.000%

Refi LTV (% of ARV)

75%

Refi costs ($)

$3,500

Forced equity = ARV minus (purchase + rehab budget). BRRRR refi assumes cash-out at stabilization. Actual refi terms depend on appraisal, lender, and borrower profile at time of refinance. Equal Housing Lender.

Recommendations are generated algorithmically based on inputs and weighted strategy scoring. For educational purposes only — not financial or legal advice. Consult qualified advisors before any investment decision. Equal Housing Lender.