Free real estate investor calculators

Engineering-as-marketing tools from Jaken Finance Group — model your deal before you request hard money or DSCR financing.

What each calculator does

DSCR Calculator — enter gross rent, operating expenses, and your proposed loan terms to get net operating income and the debt service coverage ratio. Use it to see whether a rental covers its own debt before you apply for a DSCR loan or plan a BRRRR refinance exit.

Max DSCR Loan Amount Calculator — works the DSCR math backward: enter rent and expenses to get net operating income, then see the largest loan that income supports at the 0.75x, 1.00x, and 1.25x coverage tiers. Use it to set your maximum offer before you shop financing.

Cash-on-Cash Return Calculator — divides annual pre-tax cash flow by the actual cash you put in (down payment, closing, and rehab) to show the return on your dollars after financing. It answers a different question than DSCR: not "does the rent cover the loan?" but "what does my cash earn?"

DSCR Closing Cost Calculator — estimates origination points, third-party fees (appraisal, title, recording), and prepaid reserves, returning a dollar total and the cost as a percentage of the loan. Use it to budget cash to close alongside your down payment.

BRRRR Calculator — models the full Buy, Rehab, Rent, Refinance, Repeat cycle: all-in cost, the ARV refinance loan, cash left in the deal, equity remaining, and the post-refinance DSCR. It shows whether your rehab created enough value to recycle your capital into the next deal.

Fix and Flip Loan Calculator — takes purchase price, rehab budget, ARV, loan terms, and holding costs, and returns loan-to-cost, carry, and projected net profit. This is the go/no-go check on a flip: if the margin is thin here, it will be thinner in the field.

Multi-Family Calculator — built for 2–4 unit properties. Enter per-unit rents and expenses to get NOI, DSCR, and per-door cash flow, so you can compare a small multi-family against single-family rentals on the same footing.

Commercial Property Calculator — models NOI, cap rate, DSCR, and cash-on-cash return from income, expenses, and financing inputs. Use it to sanity-check a purchase price against the income the asset actually produces.

Subject-To Deal Analyzer — enter the existing loan balance, current payment, and cash to the seller, plus projected rent and expenses, to see entry equity and monthly cash flow on a subject-to acquisition before you commit to taking over the loan.

Loan Amortization Calculator — compares interest-only and 30-year amortizing payment math on any loan amount and rate. Useful for seeing how an IO bridge payment differs from the amortizing DSCR payment you would refinance into.

Which calculator to start with

Match the tool to the deal. Buying to renovate and sell: start with the fix and flip calculator. Buying or refinancing a rental you will hold: start with the DSCR calculator — multi-family for 2–4 units, commercial for larger or mixed-use assets. Taking over an existing loan: the subject-to analyzer. Run the numbers before you talk to any lender; underwriting here is asset-based, so the same figures you model — ARV, loan-to-cost, NOI, and exit — are what drive approval. Credit is reviewed, but the deal math leads.

Embed on your site

REIA chapters and investor blogs can embed these tools free: Calculator embed codes.

When your numbers work, get pre-qualified or explore loan programs.