AMP Lending • Investor tools
30-year fully amortized loan
Payment comparison only. This result is not a quote, APR, loan offer, approval, investment projection, or recommendation. Confirm actual terms and costs with your lender. Interest-only payments do not reduce principal.
See how an interest-only DSCR payment compares with an amortizing DSCR principal-and-interest payment.
Interest-only DSCR
Uses the interest-only rate entered in the original calculator above.
Baseline payment for this comparison
Amortizing DSCR
Enter the expected rate and amortization period for a non-interest-only DSCR loan.
IO reduces the payment by $168.74 per month
Same loan amount and amortization period.
| IO rate | Equivalent rate | Monthly payment |
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Property opportunity
Choose a financing scenario and enter the property assumptions you want to analyze.
Starting values are editable estimates for scenario analysis—not a quote or commitment to lend.
Turn the project into permanent financing.Take the next step with an AMP Lending loan specialist.
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Starting values are editable estimates for scenario analysis—not a quote or commitment to lend.
Enter the acquisition, value, rent, and renovation assumptions.
Taxes and insurance are annual; HOA and miscellaneous expenses are monthly.
Included in every scenario
Acquisition, holding period, refinance, and stabilized rental performance.
Equity capture equals ARV less purchase price, repairs, fixed costs, loan points, hard-money closing costs, holding costs, and refinance closing costs. Holding costs include hard-money interest and entered property expenses for the selected holding period. This calculator caps estimated owner cash back at closing at $2,000; confirm actual program limits and final proceeds with the lender.
Purchase cash requirement, equity capture, and stabilized rental performance.
Equity capture equals ARV less purchase price, repairs, fixed costs, and estimated conventional closing costs. Mortgage insurance, maintenance, vacancy, utilities, management, leasing costs, and income taxes are excluded unless entered under miscellaneous.
The numbers are only the beginning.Bring the opportunity to AMP Lending and explore financing built for the deal.
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Important disclosures. This calculator is for general educational purposes and provides a mathematical payment comparison only. It is not financial, legal, tax, accounting, lending, or investment advice, and it is not an offer, solicitation, commitment to lend, loan approval, appraisal, valuation, or prediction of future results.
Calculations assume the same principal balance, monthly payments, a fixed nominal annual rate divided by 12, and the selected amortization period. The equivalent rate is designed only to match the displayed monthly principal-and-interest payment. It does not mean the loans have the same APR, total interest, total cost, payoff balance, equity buildup, balloon risk, or future payment after an interest-only period. Interest-only payments generally do not reduce principal.
The DSCR comparison uses the entered nominal rates and amortization period to estimate principal-and-interest payments. It does not determine eligibility or account for differences in underwriting, down payment, recourse, prepayment terms, loan structure, or property and borrower requirements.
The deal analysis uses editable assumptions and simplified estimates. Annual insurance initially defaults to 1% of ARV and refinance closing costs initially default to 2% of ARV; both are editable and should be replaced with property- and loan-specific figures. Hard-money financing is limited to the lesser of the entered purchase-and-repair advances or maximum loan-to-ARV; repair funds may be advanced through draws rather than at closing. Refinance proceeds, cash returned, equity capture, total out of pocket, and cash-on-cash return are projections—not guaranteed proceeds, value, qualification, or performance.
When the interest-only refinance option is selected, monthly cash flow uses an interest-only payment that does not reduce principal. The displayed payment-equivalent amortized rate is a mathematical comparison only—not an available rate, APR, or indication that the two loan structures have the same balance, term, total interest, or risk.
Unless entered under miscellaneous, results exclude title and escrow charges, lender fees beyond displayed points or closing-cost estimates, draw fees, inspections, reserves, maintenance, vacancy, utilities, property management, leasing costs, mortgage insurance, servicing charges, prepayment penalties, rate changes, balloon payments, income taxes, and other loan or property costs. Property taxes and insurance use the annual amounts entered and may change after purchase. Results are estimates, may be affected by rounding or incorrect inputs, and are provided without warranties. Verify all figures, assumptions, valuations, written loan terms, and property expenses with qualified professionals before making a financial decision. You are responsible for your use of the calculator and resulting decisions; to the extent permitted by law, the site owner is not liable for losses arising from reliance on these estimates.
Privacy note: Calculations run in your browser. A copied share link includes the loan and deal-analysis inputs in the URL, so do not enter or share confidential or personally identifying information.