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Investment Property Pre-Approval Calculator
Calculate your maximum investment property loan pre-approval based on your assets and credit profile. This tool helps real estate investors understand their purchasing power for investment properties.
Your Financial Profile
Your Pre-Approval Results
For exact program details, please reach out to your Blink Lending Loan Officer.
ROI Calculator
Calculate your potential profit and ROI for fix and flip real estate investments. This tool helps you analyze the complete financial picture including purchase, renovation, carrying costs, and selling expenses.
Project Details
Purchase Commissions
Sale Commissions
Your ROI Analysis
Project Costs & Financing
Selling Costs & Profit Analysis
ROI Key Factors
Your investment success depends on accurate estimates for:
- Purchase Price: Negotiating below market value
- Renovation Costs: Include 10-20% contingency buffer
- After Repair Value (ARV): Based on comparable sales
- Timeline: Longer holding periods increase carrying costs
- Market Conditions: Selling price may vary from ARV
What Should I Offer? (Hard Money Offer Formula)
Use this quick formula used by many investors: (After Repair Value × Target % of ARV) − Renovation Costs = Maximum Offer.
Inputs
Result
Formula: ($0 × 70%) − $0 = $0
DSCR Calculator
Calculate your Debt Service Coverage Ratio (DSCR) by comparing your monthly rental income to your total monthly debt service. A DSCR of 1.0 or higher indicates positive cash flow.
Monthly Rental Income
Loan Details
Monthly Debt Service
Your DSCR Results
DSCR Interpretation
Enter your values above to see your DSCR analysis.
DSCR Guidelines
- DSCR ≥ 1.25: Prime Tier – Strong cash flow, lowest risk, qualifies for the best DSCR rates
- DSCR 1.00 - 1.24: Preferred Tier – Solid coverage, moderate risk, earns competitive rates
- DSCR 0.75 - 0.99: Limited Tier – Tight cash flow, higher risk, rates priced accordingly
- DSCR ≤ 0.75: Caution Tier – Insufficient cash flow; lenders offset risk with higher rates—consider lowering the loan amount to improve DSCR
Preliminary HUD Generator
With our online form, you simply fill in the blanks and we’ll deliver a preliminary HUD that shows your true cash-to-close. This lets you run the numbers on your investment with full transparency from day one.
Cash to Close Calculator
Calculate how much money you need to bring to closing for private and hard money loans.
The Total Money I Need - The Total Money I Get = Money You Bring to Closing
Money I Need
Money I Get (Loan)
Money You Bring to Closing
The difference between the two is either the money you bring to closing or possibly (although very rarely), the money you receive at closing.
Payment Calculator
For Hard Money & Private Money Loans Only — not for traditional 30-year mortgages.
Calculate your monthly interest payment based on your loan amount and interest rate.
Loan Details
Your Monthly Payment
How it's calculated:
Loan Amount × Interest Rate ÷ 12 months = Monthly Payment
HOW MUCH (HOUSE) DO I QUALIFY FOR?
Although not 100% accurate, the formula below will get you as close to the horse shoe without quite making it all around the stake.
A. ENTER YOUR TOTAL MONTHLY HOUSEHOLD INCOME =
B. MULTIPLY BOX A BY 50%
C. ENTER YOUR TOTAL MONTHLY LIABILITIES PAYMENTS =
- Cars, credit cards, student loans, other accounts that reflect on your Credit Report
Do not include:
- Utilities, car insurance, health insurance, food, gas and leisure items
D. LET'S CALCULATE THE NUMBERS B - C = D
E. BOX D DIVIDED BY 0.9% EQUALS LOAN AMOUNT
***Quick Homebuying Tip! If your total documented monthly household income is greater than 3% of the Purchase Price, you rarely have anything to worry about when it comes to affordability qualifications.***
