Sensitivity Analysis
See how DSCR changes across a matrix of interest rates and LTV percentages to find your qualification sweet spot.
How Sensitivity Analysis Works
The sensitivity matrix calculates DSCR at every combination of interest rate (current rate plus or minus 2% in quarter-point steps) and LTV (50% to 85% in 5-point steps). Each cell is color-coded by qualification tier: green for strong qualifier, amber for qualifies, orange for below minimum, and red for does not qualify. Your current scenario is highlighted so you can see where you sit in the landscape.
- Rate range: current minus 2% to current plus 2% in 0.25% steps
- LTV range: 50% to 85% in 5% steps
- Color-coded cells show qualification tier at each intersection
- Current scenario highlighted with a bold border
Why Sensitivity Analysis Matters
DSCR lenders price loans on a grid: higher LTV means higher rate, and vice versa. The sensitivity matrix shows you the entire qualification landscape at a glance. You can instantly see how much rate room you have before losing qualification, or how much more you need to put down to lock in approval at a higher rate.
- See exactly how much rate increase you can absorb before failing
- Find the minimum LTV needed to qualify at a given rate
- Identify the sweet spot where qualification and cash outlay balance
- Use as a negotiation tool when comparing lender term sheets
Sample Output
See what this feature calculates for you.
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Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Sensitivity Analysis?
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