Fit check

See where your numbers land.

Enter the property and loan figures. The sample values are an example; replace them with yours. This is a rough screen and not a lender decision.

✓ Looks workable
67%Loan to value
2.50xDebt service coverage

What these two figures mean, in plain words

Loan to value

  • Loan requested divided by property value
  • A higher figure means more leverage, and less room if values fall
  • This screen flags higher leverage for review, it does not set a lender rule

Debt service coverage

  • Annual net operating income divided by annual debt service
  • A higher figure means more income to cover the loan payments
  • This screen flags lower coverage for review, it does not set a lender rule

What your result means

Looks workable

  • Your figures sit in a range many lenders work with
  • Property type, location and borrower strength still decide the outcome

Needs review / needs restructuring

  • Leverage or coverage is outside what most lenders accept, or close to it
  • A larger down payment, a smaller loan, or more income can change the read
  • Talk to us before you apply anywhere, and tell us what changed

Run the numbers, then send the deal.

The fit check is a rough screen, not a lender decision. Use it to start the conversation, not to replace it.

Start an applicationTry the calculators