Cash-Out Refinance Calculator
Estimate your potential cash-out amount, monthly payment, and DSCR ratio in real-time
Estimate your potential cash-out amount, monthly payment, and DSCR ratio
Property Information
Monthly Expenses
Loan Terms
Your Results
Potential Cash-Out Amount
$75,000
Current Equity
$200,000
New Loan Amount
$375,000
Estimated Monthly Payment (PITI + HOA)
$3,172
DSCR Ratio
1.10
Good
Monthly Cash Flow
$328
Positive
Qualification Summary
- ●DSCR: Meets standard requirement
- ●LTV: 75% (Industry standard)
- ●No income verification required
* This is an estimate only. Actual rates, terms, and cash-out amounts may vary based on property appraisal, credit score, and underwriting.
Compare Your Current Loan
See how a cash-out refinance stacks up against your existing loan with our side-by-side comparison tool
Compare your current loan with a new cash-out refinance to see total savings and break-even analysis
Current Loan Details
New Cash-Out Refinance
Cash-Out Amount (75% LTV)
$75,000
Side-by-Side Comparison
Key Insights
+$726
Higher payment
$75,000
Available for investment
8 years 8 months
Time to recover costs
Analysis Summary
Cash Access: You'll receive $75,000 in cash that can be used for new investments, property improvements, or other opportunities.
Payment Impact: Your monthly payment will increase by $726.
Break-Even: It will take approximately 8 years 8 months for the cash-out value to offset any additional costs.
Net Benefit: Over the remaining term of your current loan, your net financial position would be reduced by approximately $442,956.
* This comparison is for illustrative purposes only. Actual rates, terms, and costs may vary based on property appraisal, credit score, and underwriting.
How the Calculator Works
Enter Property Details
Input your property value, current mortgage balance, rental income, and monthly expenses.
Instant Calculations
Our calculator computes your maximum cash-out amount at 75% LTV, monthly payment, and DSCR ratio.
Get Pre-Qualified
Use your results to apply for pre-qualification and speak with a Zeus loan specialist.
Understanding Your Results
Cash-Out Amount
This is the maximum cash you can receive based on 75% loan-to-value (LTV) ratio minus your current mortgage balance. This cash can be used for new investments, property improvements, or other business purposes.
DSCR Ratio
Debt Service Coverage Ratio measures your property's ability to cover its debt obligations. A DSCR of 1.0 or higher means the rental income covers the mortgage payment. Zeus offers no-ratio options for experienced investors with DSCR as low as 0.75.
Monthly Payment
This includes principal, interest, property taxes, insurance, and HOA fees (PITI + HOA). Your actual payment may vary based on final loan terms and appraisal results.
Monthly Cash Flow
This is your rental income minus total monthly payment. Positive cash flow means the property generates income after all expenses. Negative cash flow may still qualify under our no-ratio DSCR programs.
Ready to Move Forward?
Get a personalized quote from our loan specialists. We'll review your property details and provide accurate terms within 24 hours.