A mortgage calculator tells you what you'll owe each month. Underlytix tells you whether a lender will fund the deal at all. For investment properties, only one of these actually matters.
For primary residences, "can I afford this payment?" is the right question. For investment properties, the question is "will this deal get funded?" — and a calculator can't answer that.
Estimates monthly P&I payment based on loan amount, interest rate, and term. Nothing more.
Scores DSCR, LTV, cash-on-cash return, fundability, and lender fit. Returns a Capital Readiness Score and recommended next steps.
A deal can have an "affordable" payment and still fail DSCR requirements. Underlytix catches this before you invest time in the lending process.
| Feature | Mortgage Calculator | Underlytix |
|---|---|---|
| Monthly payment estimate | Yes | Yes (included) |
| DSCR analysis | No | Core feature |
| LTV scoring | No | Yes |
| Cash-on-cash return | No | Yes |
| Fundability assessment | No | Capital Readiness Score |
| Lender matching | No | Yes — matched by deal type |
| Risk factor identification | No | Yes |
| Built for investment property | Primarily primary residence | Built specifically for investors |
Get your Capital Readiness Score in under 60 seconds.
No lender contact. No credit pull. No cost to start.