Run the numbers

Mortgage calculators

Five tools built for borrowers the traditional market underserves. Model your scenario in seconds — then let Pat turn the estimate into a real approval.

For investors

DSCR Loan Calculator

Does the rent cover the payment? Get your debt-service coverage ratio and an instant verdict.

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Self-employed

Bank Statement Loan Calculator

Turn 12–24 months of deposits into qualifying income — no tax returns.

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Asset-rich

Asset Depletion Calculator

Convert liquid and retirement assets into the monthly income lenders can count.

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For investors

Fix & Flip Profit Calculator

Purchase, rehab, ARV — projected profit, margin, and the 70%-rule max offer.

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Everyone

Monthly Payment Calculator

The classic: price, down payment, rate, and term to monthly principal & interest.

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Beyond the estimate

Calculators start the conversation.

Every tool here is an approximation. Pat's job is the real thing — program-accurate numbers for your exact situation, usually within a day.

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