Lender View

Borrowing Power Simulator

The exact question every operator asks: "What can I actually borrow, right now, across every product?" Toggle any input and every product re-underwrites live.

Your inputs

Annual income

Monthly debt payments

Credit score

Liquid cash / securities

Home equity available

I operate a businessTarget property monthly NOI (for DSCR)

Current DTI: 0.0%

Total capital accessible

Sum across products you currently qualify for. Not stackable in full — see product notes.

Conventional SFR (30yr fixed)

Owner-occupied primary. 3–20% down. PMI < 20% down.

Max loan

~7% · 30yr

✗ Gated DTI maxed

Jumbo SFR (30yr)

Above conforming ($806,500 2025). 10–20% down. 6–12mo reserves.

Max loan

~7.5% · 30yr

✗ Gated Reserves < $100k

FHA (owner-occ, low down)

3.5% down. Loan limit ~$524k baseline. MIP for life of loan (usually).

Max loan

~6.5% · 30yr

✗ Gated Qualifies

DSCR (investor, no-doc)

Underwritten to property cash flow, not personal income. 20–25% down. Ideal for high-DTI investors.

Max loan

~8.75% · 30yr

✗ Gated Enter target property NOI/mo below

SBA 7(a) — business acquisition

10% down min. Personal guarantee. Prime + 2.75–4.75% variable. Best for acquiring a profitable existing business.

Max loan

~11% · 10yr (25yr w/ RE)

✗ Gated Need ≥ $50k for 10% down

SBA 504 — owner-occ commercial RE

10% down. Below-market fixed rate on CDC portion (~40%). For 51%+ owner-occupied commercial buildings.

Max loan

~7.5% · 25yr

✗ Gated Requires operating business

HELOC on primary residence

Up to 85% CLTV. Variable rate tied to prime. Interest-only during draw. Excellent bridge / down-payment source.

Max loan

~8.5% · 10yr draw / 20yr repay

✗ Gated Insufficient home equity

Securities-backed line (SBLOC)

No credit pull. 50–70% LTV on eligible securities. Rate = SOFR + spread. Watch margin call triggers.

Max loan

~8% · Revolving

✗ Gated Needs ≥ $100k in marketable securities

Hard money bridge (12–24mo)

Asset-based. 65–75% LTV or 90% LTC. 2–4 pts + rate. For fix-flip, BRRRR, or refi bridges.

Max loan

~11.5% · 12–24mo I/O

✗ Gated Need ≥ $25k for down + fees

Estimates are underwriting rules-of-thumb — actual lender terms vary. Use as a triage tool, then price with real lenders via Capital Match.