Professional-grade calculators trusted by real estate investors nationwide
Calculate DSCR, cap rates, cash-on-cash returns, and more. Get instant results with tools designed by Zeus Commercial Capital's lending experts. Free calculators available now.*
Select from our suite of professional-grade calculators organized by category
Calculate loan rates, eligibility, and financing options
Get instant rate quotes for DSCR loans. Calculate your debt service coverage ratio and find the best financing options for your investment property.
Analyze returns, cash flow, and property performance
Calculate your annual return on investment. Determine how much cash flow you'll receive relative to your initial cash investment in a property.
Estimate property values, ARV, and rental income
Get instant comprehensive investment analysis for any property. Real market data, comparable sales & rentals, investment metrics, and detailed reports - all in one tool.
Advanced After Repair Value calculator with AI-powered comps analysis. Get accurate ARV estimates using real market data and comparable sales.
Fast screening tools for investment opportunities
Quick screening tool to determine if a rental property meets the 1% rule for positive cash flow.
Calculate gross and net rental yield to compare investment properties and assess rental income potential.
No registration, no credit card, no hidden fees. Basic calculators are free to use. Premium AI tools launching soon.
Built by commercial lending professionals with real-world formulas and market benchmarks.
Works perfectly on desktop, tablet, and mobile devices. Calculate anywhere, anytime.
| Feature | DSCR Rate Calculator | Cash-on-Cash Return | Cap Rate Calculator |
|---|---|---|---|
| Calculates DSCR Ratio | ✅ | ❌ | ❌ |
| Shows Loan Rates | ✅ | ❌ | ❌ |
| Calculates NOI | ✅ | ❌ | ✅ |
| Cash Flow Analysis | ❌ | ✅ | ❌ |
| ROI Percentage | ❌ | ✅ | ✅ |
| Property Valuation | ❌ | ❌ | ✅ |
💡 Pro Tip: Use all three calculators together for comprehensive investment analysis
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See how Zeus Commercial Capital helped investors achieve their real estate goals
Amanda F., BRRRR Investor
Traditional lenders required extensive income documentation and limited her to 4 financed properties. She needed a way to scale her rental portfolio faster.
DSCR loan program allowed her to qualify based on rental income alone, with no personal income verification. She leveraged our fast closing times to acquire properties quickly.
Michael R., New Fix & Flip Investor
First-time flipper needed bridge financing but lacked extensive experience. Traditional hard money lenders offered unfavorable terms or declined the application.
Our bridge loan program provided competitive rates for new investors. The ARV calculator helped him analyze the deal accurately and secure funding within 12 days.
James P., Commercial Investor
Needed to finance 4 multi-family properties simultaneously but traditional lenders couldn't move fast enough in a competitive market.
DSCR loan program with streamlined underwriting allowed simultaneous closings. Portfolio approach provided better rates and simplified the process.
See what our clients say about their experience with Zeus Commercial Capital
"Zeus Commercial Capital made my DSCR loan process incredibly smooth. Their calculators helped me understand exactly what I qualified for before I even applied. Closed in 18 days!"
"The bridge loan calculator gave me the confidence to move forward on a competitive deal. The team was responsive and the rates were better than I expected. Already on my third project with them."
"I've financed 12 properties through Zeus Commercial Capital. Their DSCR program is perfect for my rental portfolio strategy. No tax returns needed, just solid rental income."
"As a new investor, I was nervous about financing. The ARV calculator and their educational approach helped me understand the numbers. They walked me through every step."
"Fast, professional, and transparent. The MAO calculator helped me make quick decisions on multiple properties. Zeus Commercial Capital has become my go-to lender."
"The DSCR loan program is a game-changer for BRRRR investors. No income verification hassles, just strong rental numbers. I've scaled my portfolio from 3 to 15 properties in 18 months."
Learn about Fannie Mae and Freddie Mac multifamily financing, DSCR requirements, property types, and the complete loan application process from industry experts.
Discover how to finance investment properties without tax returns: DSCR loans, bank statement programs, and alternative options for self-employed investors.
Subject-to real estate investing explained: acquire properties with existing financing, understand legal risks, and structure profitable subject-to deals.
Build accurate renovation scope of work: avoid budget shortfalls, create detailed project plans, estimate costs correctly, and manage contractors effectively.
Welcome to the most comprehensive suite of commercial real estate calculators available online. Whether you're a seasoned investor, first-time buyer, or commercial lender, our tools provide the financial analysis you need to make confident investment decisions.
Our DSCR (Debt Service Coverage Ratio) calculator is specifically designed for investment property financing. Unlike traditional mortgages that focus on personal income, DSCR loans qualify based on the property's rental income. Calculate your DSCR ratio instantly and get real-time rate quotes from Zeus Commercial Capital's extensive lender network.
The cash-on-cash return calculator helps investors understand their actual annual return on invested capital. This metric is crucial for comparing different investment opportunities and determining if a property meets your return requirements. Our calculator accounts for all cash invested including down payment, closing costs, and renovation expenses.
Cap rate is one of the most fundamental metrics in commercial real estate. Our calculator helps you determine if a property is fairly valued by comparing its Net Operating Income (NOI) to the purchase price. Use it to compare properties across different markets and asset classes.
Zeus Commercial Capital is a leading provider of DSCR loans and investment property financing. With access to over 50 lenders nationwide, we help investors secure competitive financing for single-family rentals, multifamily properties, and commercial real estate. Our team of experienced loan officers understands the unique needs of real estate investors and provides personalized service throughout the entire loan process.
If you're ready to move forward with a property purchase or refinance, our team is here to help. We offer competitive rates, fast closings, and flexible terms for investment properties nationwide.
Powerful tools and platforms trusted by real estate investors to manage properties, streamline operations, and grow their business
Property Management Software
Free property management platform with rent collection, tenant screening, lease agreements, and maintenance tracking. Trusted by 600,000+ landlords to streamline operations and maximize rental income.
All-in-One CRM & Marketing
Complete CRM, marketing automation, and client management platform designed for real estate professionals. Capture leads, automate follow-ups, and close more deals with powerful workflows.
Business Coaching Loans
Help your coaching clients invest in themselves with flexible financing for high-ticket programs. Get paid upfront while they pay over time—close 60% more sales and eliminate price objections.
AI-Powered Business Automation
Revolutionary AI platform that builds custom software, automates workflows, and creates business tools in minutes. From calculators to CRMs, Manus AI transforms your ideas into production-ready applications.
Professional Business Email & Tools
Professional email with your domain, cloud storage, video conferencing, and collaboration tools. Everything your business needs in one integrated suite trusted by millions worldwide.
Virtual Business Addresses & Offices
Professional business addresses, mail forwarding, live receptionist, and meeting rooms in 1,200+ locations. Establish your business presence without the overhead of physical office space.
These tools are carefully selected to help real estate investors succeed. Click any card to learn more about how each platform can benefit your business.
Get answers to common questions about DSCR loans, cap rates, and investment property financing
DSCR (Debt Service Coverage Ratio) measures a property's ability to cover its debt payments with rental income. It's calculated by dividing the property's annual net operating income by its annual debt service (mortgage payments). Lenders typically require a DSCR of 1.0 or higher, meaning the property generates enough income to cover the loan payments. A DSCR of 1.25 means the property generates 25% more income than needed to pay the mortgage, providing a safety cushion for lenders.
A good DSCR ratio for investment properties is typically 1.25 or higher. Most lenders require a minimum DSCR of 1.0 to 1.25, with higher ratios qualifying for better interest rates. A DSCR of 1.0 means the property breaks even on debt payments, 1.25 provides a 25% cushion, and 1.5 or higher is considered excellent. Higher DSCR ratios indicate lower risk and may qualify you for lower rates and better loan terms.
Cap rate (capitalization rate) is calculated by dividing the property's annual net operating income (NOI) by its current market value or purchase price, then multiplying by 100 to get a percentage. The formula is: Cap Rate = (Annual NOI / Property Value) × 100. For example, if a property generates $50,000 in annual NOI and costs $500,000, the cap rate is 10%. Cap rate helps investors compare different properties and determine if a property is priced fairly based on its income potential.
A good cap rate for commercial real estate typically ranges from 4% to 10%, depending on the property type, location, and market conditions. Class A properties in prime locations often have cap rates of 4-6%, while Class B and C properties may range from 6-10% or higher. Higher cap rates indicate higher potential returns but also higher risk. A cap rate above 10% may signal a distressed property or challenging market, while rates below 4% suggest premium properties in highly desirable areas.
Cash-on-cash return measures the annual return on the actual cash invested in a property. It's calculated by dividing the annual pre-tax cash flow by the total cash invested (down payment, closing costs, and initial repairs), then multiplying by 100. The formula is: Cash-on-Cash Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100. For example, if you invest $100,000 cash and receive $12,000 in annual cash flow, your cash-on-cash return is 12%. This metric helps investors understand the actual return on their out-of-pocket investment.
A good cash-on-cash return for rental properties typically ranges from 8% to 12% or higher. Returns below 8% may indicate a property isn't generating sufficient cash flow relative to the investment, while returns above 12% are considered excellent. However, acceptable returns vary by market, property type, and investor goals. Conservative investors may accept 6-8% in stable markets, while value-add investors may target 15%+ returns. Always compare cash-on-cash returns to alternative investments and consider factors like appreciation potential and tax benefits.
No, DSCR loans do not require personal income verification such as W-2s, tax returns, or pay stubs. Instead, lenders qualify borrowers based solely on the property's rental income and debt service coverage ratio. This makes DSCR loans ideal for self-employed investors, those with complex tax returns, or investors who want to avoid traditional income documentation. Lenders focus on the property's ability to generate sufficient rental income to cover the mortgage payment, typically requiring a DSCR of 1.0 or higher.
Cap rate and cash-on-cash return measure different aspects of investment performance. Cap rate measures the property's overall return based on its value and net operating income, regardless of financing. It's useful for comparing properties and determining fair market value. Cash-on-cash return measures the actual return on your invested cash, accounting for leverage and financing. A property might have a 6% cap rate but a 12% cash-on-cash return due to favorable financing. Investors use cap rate for property valuation and cash-on-cash return to evaluate actual investment performance.
Have more questions? Our team of commercial lending experts is here to help.