Rental underwriting
YS Deal Analyzer™
The tool serious investors say YES to.
Plug in the property, loan, income and expenses to see whether a rental deal cash-flows and how it scores on the same metrics lenders and professional investors use.
Rental / DSCR
No credit pull
Estimates only
Fill the input fields — every metric updates automatically.
1 Property & loan
InputsUse LTV to size the loan, or type a loan amount to override it.
$
$
%
$
%
2 Income
Revenue$
%
%
3 Operating expenses — annual
Expenses$
$
$
$
$
$
$
4 Acquisition & setup costs
One-timeOne-time cash costs to acquire and stabilize, on top of the down payment.
$
$
$
$
$
$
$
Deal result · EstimateLive
Monthly cash flow
$864
$10,366 per year after debt & all expenses
Positive cash flow
Cap rate
8.3%
NOI ÷ price · 5–8% typical
Cash-on-cash ROI
9.7%
cash flow ÷ cash in · 7–12% great
DSCR — residential
1.86×
rent ÷ PITIA
DSCR — all-in
1.30×
EGI ÷ all-in payment
NOI (annual)
$33,120
Debt yield
11.0%
NOI ÷ loan
Monthly P&I
$1,896
Monthly PITIA
$2,146
All-in monthly
$2,896
Break-even occupancy
77%
lower is safer
GRM
8.3
price ÷ annual rent
Operating expense ratio
27%
expenses ÷ EGI
Loan-to-cost (LTC)
74%
Return on equity
5.2%
Effective equity
40%
equity ÷ value
Total cash to close
$107,000
down + setup costs