Refi Signal runs the numbers — DSCR, cash flow change, monthly savings, cash required, and capital recovery — and gives you a confidence-scored recommendation to guide your next conversation with a lender.
Free to use. Educational tool — not a lender, broker, or financial advisor.
Lower payment plus improved DSCR makes this refinance favorable in the modeled scenario. Use the full analysis to compare alternatives before locking.
Next step: Run your own numbers and compare scenarios side by side before requesting a Loan Estimate.
Run Your Analysis →Drop in your property value, current balance, rate, and amortization. Add rent and basic operating costs — taxes, insurance, vacancy, maintenance.
Enter the new rate and term you have been quoted. Adjust your hold horizon and growth assumptions for a personalized projection.
Refi Signal returns a confidence score, a plain-English recommendation, and the supporting metrics — DSCR, cash flow change, monthly savings, cash required, and capital recovery. Compare up to three scenarios side by side.
A single 0–100 score tells you how strong the refinance case is, with a clear verdict and plain-English rationale.
Debt Service Coverage Ratio calculated before and after the refi — critical context for portfolio lenders and DSCR loans.
Compare up to three side-by-side refinance scenarios to see how rate, term, and cash-in tradeoffs change cash flow and DSCR.
Amortization and cash flow projections across your hold horizon — not just the break-even month.
See how many months of incremental cash flow it takes to recover your closing costs and any cash-in required.
No account required to run your first analysis. Enter your numbers, get your signal. That's it.
Every metric below is computed live by the same engine that runs your analysis. Click any card to pre-fill the app with those exact inputs.
No account needed. Enter your numbers and get a Refi Signal in under 60 seconds.
Run My Analysis →Educational tool — not a lender, broker, or financial advisor.