Free rental acquisition tool
Start with the property’s monthly revenue potential and your desired PITI margin. Deed7 works backward to estimate the financing amount, monthly payment, monthly PITI surplus, and maximum offer, then shows how the deal responds when its assumptions deteriorate.
A measurable acquisition framework
This is especially valuable when the plan is to renovate a property and refinance it with a DSCR loan. It connects the rent you expect after the work is complete with the refinance assumptions you expect to face, so the purchase offer begins with the completed property’s debt service capacity, not intuition alone.
Research a defensible stabilized rent, such as fair market rent by bedroom, and estimate the renovation required to reach it. The analyzer does not supply rent comps. It turns the assumptions you have researched into a consistent acquisition framework.
Enter stabilized monthly revenue and renovation cost. In Advanced Settings, add the expected DSCR refinance closing cost, annual property tax, insurance, HOA, anticipated rate, and LTV. Choose the PITI Margin you require, and Deed7 works backward to the estimated financing amount, payment, and maximum offer.
Keep that maximum offer fixed, select the assumptions you want to challenge, and apply a stress level. At the default 5%, each selected cost, HOA, and the rate rise 5% relative to their original values. Monthly revenue remains unchanged unless you choose to include it. This reveals how strongly assumption errors compress the PITI Margin and how much adverse change the deal can absorb before it breaches the selected Deed7 model floor.
$3,000 stabilized monthly rent · $45,000 renovation · $9,000 closing cost · $3,600 annual tax · $1,800 annual insurance · 8% rate · 40% target PITI Margin
The original assumptions produce an estimated maximum offer of $129,982.72, an estimated monthly PITI payment of $1,800, and the required 40% PITI Margin.
At the same offer, the default 5% stress keeps monthly revenue unchanged while increasing renovation, closing cost, tax, insurance, HOA when applicable, and the rate. The PITI Margin falls to approximately 36.84%, leaving only 1.84 percentage points above its 35% Deed7 stability floor.
What this reveals: even without reducing expected rent, a 5% error across the selected cost and refinance assumptions removes approximately 3.16 percentage points from the margin. The stressed scenario passes the Deed7 stability floor, but most of its five point compression allowance is already gone. Another deal could begin with a lower PITI Margin yet retain more protection if the same stress causes less compression. Fragility Analysis measures the consequence of error, which helps distinguish a more resilient deal from one with attractive headline numbers but very little tolerance for change.
LIVE ACQUISITION SCENARIO
Results update automatically as you change any input.
Enter the opportunity’s operating assumptions.
The financing amount is calculated from revenue, target PITI margin, taxes, insurance, HOA, rate, closing cost, renovation cost, and a 30 year term. LTV affects Required Stabilized Value only.
A live view of the current scenario.
| Max Offer | $0.00 |
| Required Stabilized Value | $0.00 |
| Estimated Monthly Payment | $0.00 |
| Monthly PITI | $0.00 |
| PITI Margin | 0% |
| Monthly PITI Surplus | $0.00 |
| Monthly Principal + Interest | $0.00 |
| Monthly Property Tax | $0.00 |
| Monthly Home Insurance | $0.00 |
| Monthly HOA | $0.00 |
| Financed Principal | $0.00 |
| LTV | 75% |
| Monthly Revenue Potential | $0.00 |
| Renovation Cost | $0.00 |
Compare the offer range against your required PITI margin.
Max Offer
$0.00
Monthly Payment
$0.00
Monthly PITI Surplus
$0.00
Required Stabilized Value
$0.00
PITI Margin
0%
Maximum Offer by Target PITI Margin
Move the target to immediately recalculate the complete scenario.
| Target PITI Margin | Max Monthly Payment | Max Offer |
|---|
Measure how much PITI Margin survives when the original offer is held constant and the assumptions you select move against the deal.
Combined downside stress
Every checked assumption moves against the deal by the selected percentage. Monthly revenue starts unchecked so it remains constant unless you choose to stress it. Uncheck any other assumption to hold it at its original value.
A positive monthly revenue and maximum offer are required for a meaningful model result.
The six cost and refinance assumptions are included by default. Monthly revenue starts excluded. Select or clear any assumption to control the stress calculation.
| Assumption | Original | Stress direction | Stressed |
|---|---|---|---|
| $0.00 | Excluded | $0.00 | |
| $0.00 | Increase | $0.00 | |
| $0.00 | Increase | $0.00 | |
| $0.00 | Increase | $0.00 | |
| $0.00 | Increase | $0.00 | |
| $0.00 | Increase | $0.00 | |
| 0% | Relative increase | 0% |
Your entries are calculated in this browser tab. They are not submitted to Deed7 or saved by this page.
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