U.S. PROPERTY FINANCING · U.S., CANADIAN & INTERNATIONAL INVESTORS905-515-4104
Micucci Mortgages

TOOLS

Start with the numbers that matter.

Estimates for your own scenario. Enter your own interest assumption; no advertised mortgage rates.

Everyday property calculators

Calculators explain their included costs and assumptions. Estimates do not confirm lender eligibility.

Explore 23 additional calculators

23 calculators

Qualification

Qualification Screener

Screen DSCR, leverage and reserves against requirements you enter.

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Qualification

Maximum Loan Amount

Back-solve a loan from rent, your DSCR target and a leverage cap.

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Qualification

Rent-to-PITIA Qualifier

Find the rent needed to reach three DSCR targets.

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Qualification

DSCR at Different Interest Assumptions

Compare three assumptions you supply without quoting market pricing.

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Deal analysis

Cap Rate & NOI

Separate operating performance from financing costs.

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Deal analysis

Cash-on-Cash Return

Measure annual cash flow against the cash you put into the deal.

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Deal analysis

1% & 50% Rule Screener

Use two rough shortcuts before a full operating budget.

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Deal analysis

LTV / CLTV

Include junior liens and drawn or committed credit lines.

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Deal analysis

Debt Yield

Review commercial income against the requested loan.

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Deal analysis

DSCR vs Conventional

Compare the cost of two actual financing scenarios you enter.

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Strategy & refinance

BRRRR Strategy Modeler

Model repeated buy, rehab, rent and refinance cycles with available cash.

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Strategy & refinance

Rehab / ARV

Track project cost, refinance proceeds and cash left in the property.

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Strategy & refinance

Refinance Break-Even

Compare payment savings with the cost of refinancing.

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Strategy & refinance

Refinance Timing Optimizer

Compare waiting periods using your penalty schedule and payment assumptions.

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Strategy & refinance

Points & Buydown

Compare a permanent buydown cost with monthly payment savings.

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Strategy & refinance

Prepayment Penalty Analyzer

Model a step-down penalty and the cost of a no-penalty alternative.

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Strategy & refinance

Portfolio / Blanket DSCR

Add properties and calculate weighted portfolio coverage.

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Loan mechanics

ARM Payment Jump

Stress-test a future adjustment using your loan’s actual caps.

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Loan mechanics

Interest-Only vs Amortizing

Compare initial payments and the payment after the IO period.

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Loan mechanics

Amortization Schedule

See annual principal, interest and remaining balance.

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Loan mechanics

Property Tax + Insurance Estimator

Convert local tax and insurance assumptions into monthly costs.

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Loan mechanics

Closing Cost Estimator

Build an itemized budget from your lender and settlement estimates.

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Loan mechanics

Short-Term Rental + DSCR

Compare STR income assumptions with a long-term rental fallback.

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