Zenca DSCR Loan Calculator

Your Loan Officer

Select Loan Officer

Borrower & Property

Property Address

Zip Code

City

State

Borrower's Name

Borrowing Entity

Property Type

Borrower Legal Status

FICO Credit Score

Type of Transaction

Is Property Currently Rented

Property Economics (Monthly)

Estimated Current Value (As-Is)

Original Acquisition Price

Original Mortgage Note Amount

Property Taxes (Annual)

Property Insurance (Annual)

Flood Insurance (Annual)

HOA (Monthly)

Actual / Estimated Rent (Monthly)

Scenario Comparison — edit fields, pick a scenario for the LOI ESTIMATE ONLY

Advanced: Rate Grid Assumptions (Zenca team only)

This is still not Zenca's official published rate sheet — update the values below whenever one is finalized and every scenario recalculates live.

Base Rate (at max LTV, longest PPP)	%
Rate Step per 5% LTV	%
LTV Floor (rate stops improving below this LTV)	%

Prepayment Penalty	Rate Adder

Borrower Legal Status	Max LTV

FOR ESTIMATION PURPOSES ONLY — this calculator does not represent a commitment to lend, rate lock, or offer of credit. All rates, terms, and scenarios must be reviewed and approved by a licensed Zenca Mortgage Loan Officer.