Institutional Investor Tool & Research Library · mortgagebysteve.com

Mortgage by Steve — Direct DSCR, Bridge & Rental Portfolio Financing — Interactive Calculators, Playbooks & Open Data

Bottom Line Up Front: Access every zero-gate underwriting workbench, specialty calculator, appraisal rebuttal generator, TPO stacking checklist, and open CSV/JSON dataset published by Loan Daddy LLC (NMLS #2827624) on mortgagebysteve.com.

1. Interactive Underwriting Workbenches & Calculators

1–4u PITIA & 5–25u NOI DSCR Simulator

Primary wholesale DSCR & multifamily deal simulator

Multi-Unit Rent Roll & Cap Rate Analyzer

Door-by-door rent roll, RUBS & debt yield workbench

Competitor Term-Sheet Knockout Auditor

Audit any lender quote for hidden LLPAs and points

LLC, Series LLC & DST Structuring Advisor

Vesting, carve-out & non-recourse entity analyzer

Form 1007 / 1025 Appraisal ROV Workbench

Generate comparable rent & valuation rebuttal packets

Wholesale TPO Stacking Order Generator

Complete broker & correspondent submission checklist

Wholesale Exception & Scenario Desk

Structure sub-1.0x DSCR, Condotel & Foreign National deals

4-Click Wholesale Lender Matcher

Instant credit-box matching across 45+ shelves

Embeddable White-Label Widget Hub

Copy iframe DSCR calculators for Realtor & CPA sites

2. 6 Specialty Real Estate Finance Calculators

Exit Fee Modeling

5-4-3-2-1, 3-2-1 Step-Down & Yield-Maintenance Prepayment Penalty Analyzer

Calculate exact exit payoff fees across 5-4-3-2-1 step-down, 3-2-1 step-down, flat 3-year, and 6-month interest structures based on payoff month (zero interest rate quotes).

BRRRR & Cash-Out

0–90 Day Delayed Financing vs. 6-Month ARV Cash-Out Seasoning Analyzer

Compare maximum cash-out proceeds under 0–90 Day Delayed Financing (lesser of 75% ARV or 100% HUD-1 Purchase + Rehab Cost) vs. 3-Month and 6-Month Full-ARV DSCR Cash-Out shelves.

Airbnb / VRBO DSCR

Form 1007 Long-Term Rent vs. AirDNA Short-Term Rental Haircut & DSCR Analyzer

Compare usable qualifying income and DSCR coverage across Form 1007 Long-Term Rent (0% haircut), T-12 Airbnb/VRBO Payout Ledger, and AirDNA Rentalizer (10% vs. 20% lender haircut).

Staged Financing

RTL Fix-and-Flip Bridge to 30-Year / 40-Year IO DSCR Permanent Takeout Simulator

Simulate a two-stage acquisition: Stage 1 RTL Bridge (up to 85%–90% LTC / 70%–75% ARV) transitioning into Stage 2 Permanent DSCR Takeout Refinance (75% ARV) to verify net cash left in deal.

5–25u Multifamily

5–25+ Unit Commercial Debt Yield, Cap Rate, NOI & Breakeven DSCR Stress-Tester

Compute Commercial Net Operating Income (NOI), Cap Rate, Debt Yield (NOI ÷ Loan Amount), and maximum supportable loan size at 8.5%, 9.0%, and 9.5% institutional debt-yield floors.

Portfolio Blanket

Cross-Collateralized 5–50+ Door Portfolio Blanket 115%–120% Release-Clause Analyzer

Model partial property payoffs inside a cross-collateralized multi-property DSCR blanket loan using 110%, 115%, and 120% allocated loan balance release clauses.

3. Underwriting Playbooks (6)

4. Underwriting Glossary (22 Terms)

View All 22 Glossary Definitions →