Workflow W5 Qualify · Cost · Verify

Financing Qualification

Find out what you can borrow, what it costs, and whether you qualify.

What this workflow does

It screens your numbers, then guides you through Mortgage Affordability → Mortgage Payment → LTV → Down Payment → DSCR — establishing what you qualify for, what it costs monthly and over the life of the loan, and (for investment properties) whether the rent covers the debt.

Who this is for

Buyers
Assessing financing before making an offer.
Investors
Checking DSCR for investment-property loans.
First-time buyers
Understanding affordability ratios.

The calculator chain

Each calculator produces a key output — here's the path, start to finish.

Step 1
Mortgage Affordability
Produces payment & DTI
Learn more →
Step 2
Mortgage Payment
Produces P&I & total interest
Learn more →
Step 3
LTV
Produces LTV & equity
Learn more →
Step 4
Down Payment
Produces down payment & timeline
Learn more →
Step 5
DSCR · Investment Only
Produces debt coverage
Learn more →

What you'll get

By the end, you'll have every number you need to make the call.

Total Monthly PaymentPITI
Housing Cost RatioFront-end
Back-End DTIAll debts
Loan-to-ValueLeverage
Down Payment AmountCash needed
Monthly Payment BreakdownP&I split
DSCRIf investment

Ready to run a deal?

Start with the quick screener — you'll have an instant read in under a minute.

Start Workflow