Know Your True
Monthly Carrying Cost
Calculate full PITI on any investment property — DSCR rental, fix & flip, bridge, or new construction. No login, no obligation, instant results.
How PITI Works for Every LGV Loan
PITI behaves differently depending on the loan structure. Here's how to read your monthly carrying cost across each of our investor programs.
Full PITI applies and drives qualification. Rent ÷ PITI = your DSCR. That ratio needs to clear the program threshold.
Interest-only during the hold. No principal paydown, but T&I still escrow. Multiply monthly PITI by expected hold months to get total carrying cost.
Interest-only short-term financing. PITI = interest + taxes + insurance only. Use it to model carrying cost while you wait for permanent take-out.
Interest-only on the drawn balance during construction — PITI starts small and grows as draws fund. Full PITI kicks in at conversion to permanent financing.
LGV Capital works investment property only — no owner-occupied. The framework above describes how PITI behaves across our four programs; your actual rate, structure, and terms depend on the file.
The Math Behind Your Number
PITI is a simple sum — but most investors only run principal and interest. The full picture includes two more components that matter.
Which LGV Loan Fits Your Deal?
Four investor programs, one streamlined process. LGV focuses exclusively on investment property financing, keeping everything fast, simple, and tailored to investors—no owner-occupied lending.
DSCR Rental Loans
Long-term rental financing qualified on the property's rental income — no W-2s, no tax returns, no employment verification. 30-year fixed or interest-only.
Fix & Flip Loans
Purchase + rehab capital for short-term holds. Interest-only payments during the project, fast funding, draw schedule built around your rehab timeline.
Bridge Loans
Short-term financing to close fast or hold a property until permanent take-out. Interest-only, flexible exit, ideal for time-sensitive acquisitions.
New Construction Loans
Ground-up financing for investor-builders. Interest-only on drawn balance during build, structured draws tied to construction milestones.
Get a Term Sheet in Under 24 Hours
Submit your deal — DSCR, flip, bridge, or build — and get real terms back the same day. No hard credit pull, no commitment.
Get a Term SheetCommon Questions, Answered
The questions investors ask most after running their numbers — straight answers from a desk that closes investment property every day.
PITI is Principal, Interest, Taxes, and Insurance — the four pieces that make up the full monthly carrying cost of an investment property loan. When HOA fees apply, the industry sometimes calls it PITIA. The calculator above runs all five.
No. LGV Capital exclusively works on investment property loans — DSCR rentals, fix & flips, bridge loans, and new construction. We do not lend on primary residences or second homes you'll occupy yourself. Every program on this page is built around non-owner-occupied investment property.
Consumer calculators usually only run principal and interest. Real lender PITI is 20–30% higher once taxes and insurance escrow are included. Investment property insurance also runs higher than owner-occupied rates because of liability and tenant occupancy. Use this calculator's full PITI when you're sizing up offers.
Yes — even though you're not qualifying on rent. PITI on a flip is your monthly hold cost. Multiply it by your expected hold period (typically 6–12 months) and add that to total project cost when underwriting the deal. Most beginner flippers forget this and watch projected profit shrink at closing.
On interest-only loans (typical for bridge, flip, and the IO phase of new construction), the "P" in PITI is zero — you're paying interest, taxes, and insurance only. Monthly payment is significantly lower, but the full balance comes due at payoff or conversion. Always model both the IO period and the take-out scenario separately.
New construction PITI changes as draws fund — you only pay interest on the drawn balance, not the full approved loan. Early months are low; PITI grows as the project advances. Once the build completes and converts to permanent financing, full amortizing PITI begins.
The principal-and-interest math is exact based on your inputs. Tax and insurance accuracy depends on your numbers — pull actual figures from the county assessor and a real insurance quote for the tightest result. For locked terms on your specific deal, request a term sheet — typically back within 24 hours.
Property tax: pull the parcel on the county assessor's website and look at the current annual bill. Insurance: get a fast quote from a landlord-policy provider (Steadily, Obie, and NREIG are common) using the property address and intended use. Both take five minutes and give you numbers concrete enough to underwrite with.
For DSCR loan qualification at LGV, monthly rent needs to be at least 0.75× PITI (we go down to a 0.75 DSCR). For your own cashflow target, conservative investors want rent at 1.20–1.25× PITI to absorb vacancy, repairs, and management. Below 1.0 means you're feeding the property out of pocket each month.
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