Tools
Mortgage calculators
Calculators built specifically for the way business owners and investors qualify for mortgages. Run the numbers before you talk to anyone.
- Investor tool
DSCR Calculator
Calculate the Debt-Service Coverage Ratio for any investment property. Enter rent and PITIA to see if the property qualifies on its own cash flow.
Open calculator - Business owner tool
Bank Statement Income Calculator
Estimate the qualifying income a bank statement loan assigns to your business deposits. Adjustable expense factor with CPA letter modeling.
Open calculator - Buyer tool
Home Affordability Calculator
Estimate the maximum home price your income supports using a standard 43% back-end DTI approach. Works backward from income, debts, and down payment to a price range.
Open calculator - Refinance tool
Refinance Savings Calculator
Compare payment change and remaining interest plus closing costs on a refinance using your current balance, P&I payment, remaining term, proposed rate and term, and closing costs.
Open calculator - Equity tool
Home Equity Calculator
Estimate your total equity, max borrowable amount at a chosen LTV, and tappable equity. Size up a cash-out refinance or second lien before you apply.
Open calculator
How these calculators work
Each tool applies the same math a loan officer runs by hand, not a simplified marketing formula. DSCR divides monthly rent by PITIA — the ratio investment-property programs underwrite to. The bank statement calculator applies the standard deposit-and-expense-factor method that turns business deposits into qualifying income. Affordability works backward from a 43% back-end debt-to-income ceiling, a benchmark that traces to the Qualified Mortgage framework. Refinance and equity compare payment change and combined loan-to-value the same way an officer would.
Every calculator runs in your browser — nothing you enter is saved, transmitted, or sent to Sunrise. The result is an estimate: your real qualifying income, DSCR, or DTI ceiling is set during underwriting, not by a calculator.
Common questions
Are these calculators official, or just estimates?
Estimates only. Each one applies a standard formula to whatever you enter, but none can see your documents, credit, or a lender's program rules. Your real qualifying income, DSCR, or DTI ceiling is set during underwriting — these tools get you in the right range first.
Do these calculators collect or save anything I enter?
No. Every calculator runs client-side, in your browser. Nothing you type — income, rent, home value, loan balances — is saved, transmitted, or sent to Sunrise. Close the tab and the numbers are gone.
Not sure which calculator to use?
Take the 60-second check-in. The matcher identifies your loan program and shows you the relevant calculator alongside your result.
Related guides
Calculator results are educational estimates. Actual qualifying income, DSCR, DTI ceiling, and loan terms are determined by the lender after full underwriting. Not a commitment to lend.
Sunrise Lending · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. All loan decisions are made by licensed mortgage professionals. Not a commitment to lend. Loan approval subject to underwriting guidelines. This is not financial advice.