Investor Deal Analyzer | US Business Funding
Investor Deal Analyzer
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Buy & Hold Deal Analyzer

Grade any rental property in 60 seconds. See your monthly cash flow, true return, 30-year wealth projection, and whether you'll qualify for financing — all in one place. Built for serious investors by US Business Funding.

Cash Flow Cash on Cash ROI 30-Year Wealth Projection 1% & 50% Rule Stress Test Lender Approval Check

1 Deal Inputs All fields adjust live

Property & Purchase
$
Financing
%
$75,000 down, 75% LTV
%
$9,000 closing costs
%
USBF DSCR: 6.0% to 9.5%
Income
$
Operating Expenses
$
$300 / month
$
$125 / month
$
%
%
%
%
Long-Term Assumptions
%
%
%
%
B
Deal Grade
Solid Deal
Pays you $X/mo, returns X%, qualifies for financing.
Score: 72 / 100
Cash to Close
$84,000
Down + closing
Monthly Cash Flow
$245
$245/door
Year 1 ROI
12.4%
CF + paydown + appreciation

2 Investor Gut Check

?
1% Rule
Rent vs 1% of price
?
50% Rule
Op expenses vs rent
?
$200/door
Min cash flow per unit
?
DSCR ≥ 1.0
Lender approval

3 Returns Dashboard

Cash on Cash
8.5%
Annual return on cash invested
Cap Rate
6.6%
NOI / property value
Annual NOI
$19,800
Net operating income
Annual Cash Flow
$2,940
After debt service
Total Annual Return
$10,440
CF + paydown + appreciation
Tax Savings / yr
$2,094
From depreciation

Break-Even Analysis

Break-even rent $2,455
Rent buffer (how far rent can drop) 9%
Break-even occupancy 91%

4 30-Year Wealth Projection

Total Wealth Created by Year 10
$184,200
Equity built + cash flow received
Year 5
$72k
$48k equity + $24k cash flow
Year 10
$184k
$120k equity + $64k cash flow
Year 30 (loan paid off)
$840k
$640k equity + $200k cash flow

5 Stress Test: Rent Drops vs Rate Hikes

Each cell shows your monthly cash flow if rent drops by that % AND rate climbs by that amount. Find your break point before you buy.

Profits $200+/mo $0 - $199/mo Loses money

6 Lender Approval Check

This is what US Business Funding looks at when underwriting your DSCR loan.

DSCR Ratio

1.13
Qualifies

Monthly PITIA

Principal & Interest $1,690
Property Tax $300
Insurance $125
HOA $0
Total PITIA $2,115

Max Loan at Target DSCR

DSCR 1.00 (min) $262k
DSCR 1.10 (typical) $238k
DSCR 1.25 (best pricing) $210k

Ready to lock in financing on this deal?

Send your numbers to US Business Funding and get a real term sheet in 24 hours. No upfront fees. No tax returns. Closes in 21 days.

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Or reach George directly: loans@usbizfunding.net · 414.475.7757
US Business Funding · DSCR · Fix & Flip · Bridge · New Construction
This calculator is for informational purposes only and does not constitute a loan offer, investment advice, or tax advice. Actual returns, rates, terms, max LTV, DSCR requirements, depreciation benefits, and projections vary by lender, property, borrower, market, and tax situation. All numbers are estimates based on the inputs you provide. Past performance does not guarantee future results. Wealth projection assumes constant appreciation and rent growth which never happens in reality — use as directional, not predictive. Consult a CPA for tax matters and US Business Funding for a personalized term sheet.