Debt service analysis for residential investment deals
See how a rate move changes your monthly breathing room.
This planner estimates loan amount, monthly payment, debt coverage ratio, and post-finance cashflow. It is designed for buyers who want a cleaner conversation with lenders and joint-venture partners.
DSCR shown alongside payment
Interest-rate sensitivity in one view
Useful for acquisition and refinance reviews
Example case · Manchester two-bed
Loan amount£185,500
Monthly payment at 5.4%£1,041
Monthly cashflow after finance£237
Debt coverage ratio1.23x
Mortgage Stress & Cashflow Planner
Enter purchase price, leverage, interest rate, term, and expected net operating income to estimate debt tolerance and monthly resilience.
Estimated loan amount
Monthly payment
Debt coverage ratio
Monthly cashflow after finance
Why monthly cashflow matters
A rate increase rarely breaks a deal in theory. It breaks it in the month when a void and a boiler invoice arrive together.
Why DSCR still deserves context
A ratio above 1.20x can still be uncomfortable if rent growth is already fully baked into the acquisition price.
When to re-run assumptions
Revisit the scenario after valuation, lender fees, refurbishment scope, and insurance quotes have become more concrete.