INDEPENDENT MORTGAGE WORKFLOW TOOLS

Make the next
move clearer.

Practical calculators and file-prep guides for mortgage brokers, loan officers, and processors working through a complex scenario.

Explore the tools

Tools run in your browser. No borrower details are collected here.

SCENARIO NOTE 01 / 03

FIRST, GET THE MATH STRAIGHT

RENT÷MONTHLY
PROPERTY COST

DSCROne useful signal.
Not the whole decision.

ASK BETTER QUESTIONS01—34 YEARS IN THE FIELD

Built for the people moving files forward

Mortgage brokersLoan officersProcessors

START WITH THE NUMBERS

A quick screen.
A better question.

Use the calculator to frame a rental-property cash-flow conversation. It keeps the arithmetic simple and leaves lender-specific qualification to the actual program review.

DSCR QUICK SCREEN

Monthly cash flow snapshot

Monthly rent Use the rent figure you want to test

Monthly property costsEnter 0 if none

Principal + interest

Property tax

Insurance

HOA dues

YOUR SCREEN

1.14×

monthly rent ÷ monthly property costs

Rent entered$3,200

Property costs$2,800

Above costs$400

This is an arithmetic screen, not a lender’s qualifying DSCR calculation. Confirm rent treatment, included costs, and program rules for the specific scenario.

DEBT AND PAYMENT COMPARISONDebt consolidation calculatorCompare current debts with hypothetical first- or second-lien options, including payment changes, interest, and break-even.Open calculator

BEFORE YOU SEND THE FILE

Find the missing
piece of the story.

Choose the area creating friction. Use the prompts to organize the facts and identify what still needs an answer.

Keep borrower data private.
This guide runs locally in your browser. Don’t enter names, account numbers, or other borrower identifiers.

FILE-PREP PROMPTS

DSCR / rental cash flow

Mark what you have addressed. The checks stay in this browser tab and are not sent anywhere.

What rent figure are you using, and where did it come from?Which monthly property costs are included in your screen?Are occupancy, unit count, property type, and loan purpose clear?Do title vesting and the proposed borrower structure match the scenario?What reserve or liquidity question still needs an answer?

These are general discussion prompts, not underwriting requirements. Check the specific loan program and applicable documentation rules.

A PRACTICAL WAY TO WORK A FILE

Less back-and-forth.
More useful context.

Name the friction

Pinpoint the documentation, property, cash flow, or process issue holding up the file.

Get the file organized

Use a focused checklist to prepare the right questions before you send a scenario.

Choose your next move

Use the numbers and facts to decide what needs clarification or a second look.

Independent tools shaped by 34 years in wholesale mortgage lending.

Make the nextmove clearer.

A quick screen.A better question.