Home Value Trend
Source: Zillow ZHVI/ZORI (illustrative fixture) · ZIP —
Scenario Calculator
DSCR
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Debt Service Coverage Ratio · ≥1.20 = lender-minimum
Loan Amount
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Monthly P&I
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NOI / yr
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Monthly Cash Flow
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Gross Yield
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Net Yield (post-exp)
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Rate Sensitivity — DSCR
■ <1.0 below breakeven
■ 1.0–1.20
■ ≥1.20 lender-min
Assumptions (editable above)
Vacancy · OpEx applied to NOI. DSCR = NOI ÷ annual debt service.
Note rate = input rate (not DSCR spread adjusted). All inputs labeled
[ASSUMPTION] per underwriting spec — tune per deal.