Run the numbers before we talk. All tools are estimates, I'll build you a precise quote when you're ready.
Run a complete deal analysis, returns, equity projection, 4-strategy comparison, and the max offer price you can pay while hitting your target return. Built for serious investors.
Want an exact rate based on your credit, location & loan type?
Get My Rate →Debt Service Coverage Ratio = Monthly Rent ÷ Monthly PITIA. Most DSCR lenders require ≥ 1.0; best rates at 1.25+.
Ready to run this deal for real?
Discuss This Deal →Based on a 43% back-end DTI. Actual qualification depends on credit, loan type, and lender guidelines.
VA eligible? You may qualify for more with $0 down.
Find Out →Compares total net cost of buying vs. renting over a chosen time horizon.
Ready to run a real scenario for your situation?
Let's Talk →| Year | Paid | Principal | Interest | Balance |
|---|---|---|---|---|
| Adjust sliders to generate schedule | ||||
Compare a standard 30-year fixed against a 10-year interest-only loan followed by 20 years of amortization. See how small extra principal payments during the IO period reduce payment shock and improve total cost.
,
,
Want me to model an IO structure for a specific investment property?
Analyze My Deal →Side-by-side comparison of common loan programs. Requirements vary by lender and borrower profile.
| Feature | VA Loan | Conventional | FHA | DSCR | Non-QM | Fix & Flip | ARM (5/7/10) | HELOC |
|---|---|---|---|---|---|---|---|---|
| Min. Down Payment | 0% | 3 – 20% | 3.5% | 15 – 25% | 10 – 30% | 10 – 20% | 5 – 20% | Equity required |
| Min. Credit Score | 580+ | 620+ | 580+ | 620+ | 500+ | 600+ | 620+ | 620+ |
| PMI Required | None | If <20% down | Required | None | None | None | If <20% equity | None |
| Income Verification | W-2 / Tax Returns | W-2 / Tax Returns | W-2 / Tax Returns | Rent Income Only | Bank Statements / Alt | Asset-Based | W-2 / Tax Returns | W-2 / Tax Returns |
| Loan / Line Limit | No limit (full entitlement) | $766,550 conforming | $498,257 std. | Varies | Varies | Varies | $766,550 conforming | Up to 85% CLTV |
| Primary Residence | Yes | Yes | Yes | No | Yes | No | Yes | Yes |
| Investment Property | No | Limited | No | Yes | Yes | Yes | Some lenders | Some lenders |
| Self-Employed Friendly | With docs | With docs | With docs | Very | Very | Yes | With docs | With docs |
| Typical Rate Premium | Below market | Market rate | Near market | +0.5 – 1.5% | +1 – 3% | +3 – 5% | Below 30-yr fixed | Prime + 0–2% |
| Rate Type | Fixed or ARM | Fixed or ARM | Fixed or ARM | Fixed or I/O | Fixed or ARM | Fixed (short) | Fixed then Variable | Variable (revolving) |
| Loan Term | 10 – 30 yr | 10 – 30 yr | 15 or 30 yr | 30 yr / I/O option | Varies | 6 – 18 mo | 30 yr (ARM resets after 5/7/10) | 10 yr draw + 10–20 yr repay |
| Best For | Veterans & military | Strong credit buyers | Lower credit / down | RE investors | Self-employed | Flippers | Short-hold buyers / refi plans | Equity access & investors |
Not sure which fits? This is what I do, analyze your situation and match you with the right product. Book a 20-minute call and we'll figure it out together. Book a Call →
Estimate your available credit line and interest-only draw payment based on your home equity.
List your current debts to see your blended rate. Then model a cash-out refinance to roll them all into one payment.
Want me to run this with your actual current rates?
Discuss This Refi →Find out if you qualify for a second $0-down VA loan and how much you can borrow.
Select your situation on the left to see your entitlement picture.
Want me to pull your actual COE and run the numbers?
Book a Call →Calculator Disclaimer: All calculator results are estimates for educational purposes only and do not constitute a commitment to lend or a loan offer. Actual rates, payments, and terms depend on your credit profile, property, loan type, and market conditions at the time of application. Rates shown are hypothetical. Contact Decisive Financial LLC (NMLS #2685338) for a personalized quote.