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MGM DSCR Calculator
Purchase & Refinance in one tool — matches the "DSCR Quote" and "DSCR Refinance Quote" tabs.
MGM CAPITAL INVESTMENTS, LLC
Invest. Build. Grow.
Business-purpose lending — not for consumer use
Invest. Build. Grow.
Business-purpose lending — not for consumer use
v1.0 — built from DSCR Quote / DSCR Refinance Quote tabs, Aug 2026
01
Loan Details
$
%
%
02
Rental Income
Long-Term Rental (LTR)
Short-Term Rental (STR)
$
03
IO Option & Prepayment
Use interest-only option?
No — fully amortizing
Yes — interest-only
04
Fees
%
%
$
$
$
"Total Points Charged" (fee-cap check) = (Points $ + Loan Doc + Underwriting) / Loan Amount, checked against a 5% max — matches the source sheets, which exclude MGM's origination fee from that specific ratio.
05
PITIA Inputs
$
$
$
06
Additional Closing Costs
$
$
$
$
$
$
The source sheets' base cash-to-close figures exclude appraisal, prepaid interest, and attorney/title — these fields let you add them back in for a fully-loaded quote.
07
Reserve Requirement
3 Months PITIA
6 Months PITIA
12 Months PITIA
Presets set the field — edit directly to match a specific lender's actual requirement.
08
Quick DSCR Quote
Estimated DSCR
0.00x
—
Estimated Cash to Close
$0
—
Loan Amount
$0
Monthly Payment
$0
Total Fees vs. 5% Cap
0%
Reserves Required
$0
PITIA breakdown
Principal & Interest$0
Taxes$0
Insurance$0
HOA$0
Total PITIA$0
Rental income
Monthly market rent$0
Effective monthly income$0
Loan summary
Purchase price$0
Loan amount$0
Closing summary
Down payment$0
Lender points$0
MGM Capital origination$0
MGM Capital processing$0
Loan doc fee$0
Underwriting fee$0
Annual HOI prepaid at closing$0
Annual taxes prepaid at closing$0
Appraisal$0
Attorney / title$0
Survey / flood cert$0
Prepaid interest$0
STR furnishings/startup$0
− Closing cost reimbursement$0
− EMD / DD credit$0
Estimated cash to close$0
Fee cap check
Max fees allowed (5% of loan)$0
Remaining fee balance$0
Reserves required to qualify
Post-closing reserves$0