Property / Deal Information

Analyze BUY, REHAB, REFINANCE, RENT or FLIP. With a full mortgage qualifier for Conventional, FHA and VA mortgage loans.
Dan Palumbo
FREEDOM PROPERTY GROUP
DEAL CRITERIA Choose your lenders and minimum rental targets. Deal Master Pro uses these criteria for its recommendation.
Only lenders with REHAB checked under "THIS LENDER WILL FINANCE" are shown.
Only lenders marked to finance REHAB loans are shown.
Only lenders with DSCR checked under "THIS LENDER WILL FINANCE" are shown.
Defaults to the REHAB lender when that lender offers DSCR financing; you may change it.
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REHAB: Not selected DSCR: Not selected Recommendation based on your criteria

PROPERTY / DEAL INFORMATION

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Uses DATA only when you click the button. Results are cached for 30 days.
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You may replace the estimated yearly property taxes and annual homeowners insurance premium with an actual number if you know it.

Rental Market Research

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Open HUD Site
Property analyses remaining this month: 25 of 25
Enter a complete address, then click Pull Property Data. Manual entry remains available.
Property Street View image
Open Street View
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SUGGESTED ACTION
The DSCR refinance cash-out profit and gross rental income do not both meet the selected targets, while the projected flip profit is positive, so the suggested action is FLIP.
FLIP

Capital Required

Down payment required$26,250
REHAB closing costs$7,881
Total REHAB payments$9,852
Total out-of-pocket costs$43,983

DSCR Potential

GROSS RENTAL INCOME Select a DSCR Lender
MAXIMUM CASH-OUT PROFIT (0%) Select a DSCR Lender
NET RENTAL INCOME (AFTER 25% MAINTENANCE SET-ASIDE) Select a DSCR Lender
DSCR RATIO 4.37
* Monthly rent source: Average rent for the area

Rental Return

Cash Remaining in Deal —
Annual Net Cash Flow —
Cash-on-Cash Return —
Cash-on-cash return is based on annual net rental cash flow divided by the cash remaining in the property after the DSCR refinance.

Flip Profit Potential

FLIP PROFIT $60,767
Total Cash Invested $43,983
Return on Investment (ROI) 138.2%
Cash Multiple 2.38×
Project Duration 4 months

My Lenders

Select a lender by lender name. Save the loan officer, contact information, supported loan programs, financing criteria and fees once; the property analysis can use those terms later.

Saved Lenders

Blue Rock Mortgage
Loan Officer: Dan Palumbo • Phone: 732-674-0066
Programs: Conventional, FHA, VA
GENERIC LENDER
Loan Officer: GENERIC SAMPLE • Phone: 888-888-8888
Programs: REHAB, DSCR, Conventional, FHA
ProEdge Capital LLC
Loan Officer: Jeff Trevathen • Phone: (408) 761-6849
Programs: REHAB, DSCR

Add / Edit Lender

THIS LENDER WILL FINANCE (check all that apply)

Lender Contact

ONE-PAGE LENDER FEE WORKSHEET

Choose a loan program below. Each lender and loan program keeps its own separate fee schedule. Detailed fees are organized like a closing-cost worksheet and stay collapsed until you need them.
Enter lender-specific fees for accurate closing costs
Enter or review the lender's program-specific charges here. These existing fee fields continue to feed the Deal Master Pro calculations.
Automatic fees use the current deal or Mortgage Calculator values. Escrow uses 2 months of homeowners insurance and 4 months of property taxes. Prepaid Items include 15 days of prepaid interest. For FHA, MIP Paid in Cash shows only the cents remainder when financing is selected, Upfront PMI/MIP shows the full 1.75% charge, and the PREPAID ITEMS Mortgage Insurance row is $0. The financed whole-dollar Upfront MIP is credited out of cash-to-close. Title insurance uses the temporary nationwide estimate: $4.25 per $1,000 on the first $100,000 and $3.50 per $1,000 above $100,000, with the same estimate for Owner’s and Lender’s policies. Title charges are estimates only; contact your title company for accurate charges. Other statement fee labels remain available for entry.
Selected state for title calculation: NJ — ALL FEES ARE ESTIMATES — Estimated title formula: $4.25 per $1,000 on the first $100,000, then $3.50 per $1,000 above $100,000. Same estimate is used for Owner’s and Lender’s policies in every state. Title charges are estimates only; contact your title company for accurate charges.
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Loan amount used: $208,750.00
LOAN CHARGES
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ESCROW
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PREPAID ITEMS
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$909.35
TITLE CHARGES & ESCROW / SETTLEMENT CHARGES
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GOVERNMENT RECORDING AND TRANSFER CHARGES
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MISCELLANEOUS
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Total estimated fees$4,795.52
Show what is included in this total
Homeowner's Insurance Escrow (2 months)$166.67Property Tax Escrow (4 months)$2,007.00Prepaid Interest$909.35Title — Owner's Title Insurance$25.00Title — Lender's Title Insurance (state formula)$687.50Homeowner's Insurance Premium$1,000.00Reconciled visible total$4,795.52

FEE DEFINITIONS

Lender / Origination ChargesPoints, application, underwriting and processing charges paid for arranging and approving the loan.
Third-Party ServicesAppraisal, credit, flood certification and inspection services required to evaluate the borrower or property.
Title & SettlementTitle search, lender title insurance, settlement/closing and related title-company charges.
Government / RecordingCounty or municipal charges for recording deeds, mortgages and other required documents.
PrepaidsItems paid in advance at closing, such as homeowners insurance, property taxes and daily interest.
Escrows / EscrowsInitial reserves collected by the lender for future property-tax and homeowners-insurance payments.
REHAB FINANCING

REHAB Financing Criteria

(Ratio that explains the loan amount to the total construction cost of the project)
REHAB Advanced / Detailed Fees
DSCR FINANCING

DSCR Financing Criteria

DSCR Advanced / Detailed Fees

Deal Overview

Your saved-deal and latest-deal snapshot is preserved here.
Saved deals1
Latest cash required$51,762
Latest flip profit$52,988
Latest rental cash flow$227

Quick Start

1. Enter the property
Purchase price, ARV, rehab budget, rent, taxes and insurance, etc.

Mortgage Calculator

Analyze Conventional, FHA, VA, USDA, Jumbo or basic mortgage payments using editable planning assumptions.

Only lenders with Conventional checked under "THIS LENDER WILL FINANCE" are shown.

SUBJECT PROPERTY ADDRESS

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* Enter credit score found on borrower
or co-borrower on the right
Conventional PMI chart: FICO 812, >85% to 90% LTV, annual PMI 0.18%.
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PMI/MIP and agency fees are estimates only. The editable Mortgage Data Center contains planning assumptions; verify current lender and agency rules before relying on them.

MONTHLY MORTGAGE PAYMENT

Principal & Interest$1,022
Monthly Real Estate Taxes$502
Monthly Homeowners Insurance$117
Monthly Mortgage Insurance (PMI / MIP) * Estimated$24
Monthly HOA Fee$0
TOTAL MORTGAGE PAYMENT$1,664
TOTAL ESTIMATED CASH NEEDED TO CLOSE $17,500
Selected lender CONVENTIONAL fees $0 + down payment $17,500 = $17,500

AMORTIZATION SCHEDULE

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BORROWER INFORMATION

CO-BORROWER INFORMATION
BORROWER EMPLOYMENT & INCOME
CO-BORROWER EMPLOYMENT & INCOME
ASSETS
MONTHLY DEBT PAYMENTS
Total Monthly Debt Payments $0

ESTIMATED YEARLY INCOME NEEDED TO QUALIFY

Estimated Yearly Income Needed to Qualify $46,437
Estimated Monthly Income Needed $3,870
Qualifying DTI Used 43%
Estimate uses a 43% qualifying DTI. It assumes no other monthly borrower debts; car payments, credit cards, student loans, alimony or other obligations would increase the income needed. This is a planning estimate, not a loan approval.
MONTHLY PRINCIPAL & INTEREST
$1,022
Estimated LTV90.0%
Estimated upfront program fee$0
Selected lender—
Lender maximum LTV—
Lender minimum loan—
Lender minimum credit score—
Lender maximum DTI—
Lender reserves requirement—
Lender points—
Lender fixed fees—
Total lender fees—
Estimated cash needed at closing$17,500
Estimated monthly PMI / MIP / guarantee fee$24
Taxes / month$502
Insurance / month$117
HOA / month$0
Total monthly housing payment$1,664
Interest-only payment$886
Total interest over loan term$210,255
Conventional PMI chart: FICO 812, >85% to 90% LTV, annual PMI 0.18%.
Saves this Mortgage Qualifier worksheet to Saved Deals on this device. Social Security numbers are not saved.

Admin Mortgage Data Center

Maintain default mortgage-insurance and agency-fee assumptions used by the Mortgage Calculator. These are local planning values, not live agency data.

Conventional & FHA Defaults

VA, USDA & Jumbo Defaults

Defaults included in Version 166 are editable placeholders for preliminary underwriting. They are not represented as current official agency rates.

Amortization Schedule

Monthly principal and interest schedule based on the current Mortgage Calculator loan, including any additional principal entered.

Starting Loan Amount—
Interest Rate—
Original Term—
Additional Principal / Month—
Estimated Payoff—
Payoff Year—
Months to Payoff—
Months Saved—
Total Interest—
Total Payments Over Life of Loan—

PAYMENT SCHEDULE

# Payment Date Beginning Balance Scheduled P&I Additional Principal Principal Interest Ending Balance

Saved Deals

Saved deals can be recalled as full worksheets or deleted individually. Saved deals are stored securely under the signed-in account. User workspace, profile and lender settings are isolated by account.

Deal Results

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Cash required—
Flip profit—
Net rental cash flow—
Prototype calculations are for investment analysis only and are not lending, appraisal, tax, legal or investment advice. Verify all inputs and lender terms before making a transaction decision.

Deal Master Pro

Private Beta Access
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Beta User Approval

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