Lowest capital in. Highest ROI out.
Capital Stack Builder
Blend senior debt, mezzanine, seller notes, tax credits, grants, and equity to hit the cheapest weighted cost. Model waterfalls, preferred returns, and promote structures.
How this fuels your wealth engine
Every item below feeds one of three levers OPM optimizes for you — access to capital, after-tax return, and compounding speed. Click any topic to open a deep-dive with your wealth team, personalized to your profile and numbers.
What it covers — tap to dive in
You'll walk away with
Live tool
DTI / LTV Analyzer
Check where you land against lender thresholds.
DTIDTI — Debt-to-IncomeYour total monthly debt payments divided by your gross monthly income. Lenders typically want this under 43%; under 36% is ideal for the best rates.
15.0%
LTVLTV — Loan-to-ValueThe loan amount divided by the property's value. 80% or lower avoids mortgage insurance on most conventional loans.
80.0%
Down payment
$80,000
Verdict
Conforming ✓
Educational estimate — verify with a licensed CPA / lender.
Ask your wealth team