Neighborhood-scale apartment building representing investment property analysis for real estate investors

Investor Tools

Run the numbers behind your next rental investment

Understand the rental, compare financing and plan the cash you want to keep. Start with the decision in front of you, then discuss your scenario with an advisor.

Primary Analysis

Start with your rental decision

Understand the rental

Rental Cash Flow Analyzer

Explore rent, operating costs, financing and the cash left each month.

Analyze cash flow

Review rental coverage

DSCR Rental Loan Calculator

Compare supported rent with the payment for a purchase or refinance.

Calculate DSCR

Plan the rental takeout

Hard-Money Exit Planner

Compare payoff, refinance costs and potential proceeds before project debt matures.

Plan the exit

Rental Investor Toolkit

Plan rental purchases, hard-money exits, and access to rental equity.

Rental Investor ToolkitStart with your rental strategy and choose the numbers to explore.DSCR Scenario ComparisonCompare two purchase scenarios using your rent, rate, and down payment assumptions.Hard-Money Exit PlannerCompare your payoff, costs, and maturity timeline with a modeled rental refinance.Cash-Out & Liquidity PlannerCompare net proceeds, payment changes, and cash flow before accessing rental equity.

Deal Analysis

Project-level returns before you choose a structure.

BRRRR Strategy AnalyzerEstimate equity created, cash left in the deal, and rent-to-basis after refinance.Rental Property Cash Flow AnalyzerEstimate cash flow, NOI, DSCR, cap rate, and cash-on-cash return for a rental.

Loan Structure

Payment shape, interest cost, and refinance timing.

Private Lending Payment EstimatorCompare interest-only vs amortized payments and total interest over your term.Interest-Only vs. P&I CalculatorCompare monthly payment, interest, and principal reduction over a selected horizon.Refinance Break-Even CalculatorEstimate how long monthly P&I savings may take to recover refinance costs.

Underwriting Metrics

Property-level ratios used in commercial and rental analysis.

Debt Yield CalculatorCompare annual property NOI with a proposed commercial loan amount.Cap Rate CalculatorCalculate cap rate or estimate property value from NOI and a cap-rate assumption.

Additional Project-Planning Tools

Reference tools for renovation and construction planning with your project team and financing partners.

Fix & Flip Deal AnalyzerExplore acquisition, renovation, carrying costs and a potential resale.Bridge Loan Scenario BuilderModel project debt, carrying costs and an eventual exit.Construction Draw CalculatorEstimate construction funding, draw timing, borrower equity, outstanding balance, and interest.

Want us to review your deal?

Use a calculator to run your numbers, then start a structured investor review or book a strategy call.

Check Loan Options Talk Through My Deal

Frequently asked questions

Are these investor calculators free to use?+

Yes. All tools on this page are free educational calculators. They help you run quick scenarios before requesting a lender-reviewed option from Pillar.

Do calculator results mean I am approved for a loan?+

No. Results are estimates for planning only. Approval depends on borrower qualification, collateral, program guidelines, and applicable law.

Which tool helps me plan a rental refinance?+

Use the Cash-Out & Liquidity Planner to compare proceeds and reserves, or the Hard-Money Exit Planner to review project debt and a rental takeout. Discuss the assumptions and program requirements with an advisor.

Can I share my calculator results with Pillar?+

Yes. After you calculate, use the mini form on each tool page. Your inputs and outputs are included so our team can review your scenario in context.