How much can I pay with financing?
Your recommended offer is the lower of two limits: the price your cash-flow goal allows, and the price your lender's DSCR requirement allows. We use the lower number.
Your answer updates live as you type. Start with the rent — the rest has sensible defaults you can expand to fine-tune.
Property & income
1–4 unit residential income — duplex, triplex, fourplex all qualify for ordinary financing. 5+ is commercial multifamily (different rules).
Gross monthly rent. Tip: our Rent-Range Finder estimates this from real closed leases.
A lower down payment usually means a higher rate — enter the rate your lender quotes below.
Annual mortgage rate — the figure your lender quotes.
Loan length in years.
Common on DSCR loans — lowers the payment, raises coverage.
Finance the closing costs instead of paying out of pocket — less cash in, slightly higher payment.
The rent-to-debt coverage your lender requires.
How the money flows
From the rent down to your recommended offer ceiling. Tap any step to dig into it.
Your cash flow goal
Drag to set what you want this deal to put in your pocket each month. Your offer below responds live.
To pocket $100/mo, your offer ceiling is $229k with a mortgage.
Financed Purchase
With a mortgage + lender test.
We use the lower of the two.
*The lender cap pushed your price below breakeven, so you pocket more than your goal.
The seesaw. The curve slopes downward — every extra dollar of monthly cash flow you demand lowers the most you can pay. Price and profit trade against each other, and as the buyer youset that trade — not the seller's list price.
Tax rules current as of 2025-09-01 (Martin County PA). Estimate only. Estimate only — not an appraisal, a tax opinion, or a loan commitment. SFRM Deal Analyzer v1.0.0.
Important disclosures
The Deal Analyzer provides a broker-reviewed investment estimate for informational purposes only. It is not an appraisal, a tax opinion, or a loan commitment, and is not a substitute for professional advice.
Florida property-tax, insurance, and lender figures are estimates that vary by district, property, and program — confirm them with the Martin County Property Appraiser, a licensed insurer, and your lender.