Run the numbers before you apply.
See which 316 Capital tier fits your experience and credit, then build a quick fix-and-flip, construction, or DSCR rental snapshot.
Quick pricing estimate
Experience worksheet
List completed projects here as a separate worksheet. Fix-and-flip experience uses the last 3 years; new-construction experience uses the last 5 years. Download the completed worksheet and attach it separately when you submit your deal to Tim.
QUALIFYING FIX & FLIPS0 qualifying flips in the last 3 years.
QUALIFYING NEW CONSTRUCTION0 qualifying builds in the last 5 years.
3 of 15 properties
Property
The facts that help frame the deal.
sq ft
Borrower & loan profile
Your selected experience range and credit set the estimated 316 Capital pricing tier.
DSCR purchase and refinance limits shown here use 316 Capital's stated leverage guidelines.
Min 680 to qualify. Every 20 points above 680 improves the estimate by 0.25%, down to the tier minimum.
Min 680 to qualify. Every 20 points above 680 improves the estimate by 0.25%, down to the tier minimum.
Min 680 to qualify. This field is independent from the fix & flip and new construction tabs.
Choose the range that best matches completed projects. The separate experience worksheet can be completed later.
A score below 680 does not meet the stated minimum. Improve the score or ask 316 Capital about next steps before relying on this estimate.
A score below 680 does not meet the stated DSCR minimum. Improve the score or ask 316 Capital about next steps before relying on this estimate.
New construction with no completed builds uses the estimated 11–12% tier, subject to full underwriting.
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Enter a current quote; no DSCR rate is assumed.
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years
Project numbers
Use your best current estimates. ARV should be verified against sold comps.
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Pre-filled from the experience tier. You may raise it, but not go below the tier minimum.
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Enter a lump-sum budget here, or build it line by line in the scope of work below.
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Optional amount financed to cover interest payments during the project.
Enter interest reserves and loan details to estimate how many months they cover.
Enter an ARV to see the available room.
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Your estimate — not an automated appraisal.
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The total new loan cannot exceed 70% of this value.
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Existing debt paid off first at closing.
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Gross cash before points and closing costs are deducted.
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Defaults to 1% of the total new loan. Editable; the closing attorney sets actual costs.
months
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Automatically calculated as 1% of the total loan amount.
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Purchase price$0
Down payment tier minimum− $0
Initial disbursement funded at closing$0
Rehab / construction holdback held back — drawn as work completes+ $0
Interest reserves adjustable+ $0
Total loan amount$0
Current loan payoff existing debt paid at closing$0
Desired cash-out before points and closing costs+ $0
Total new loan$0
Scope of work
Build the upfront construction budget for this deal. Open a section, enter each scheduled value, and the total will feed the rehab budget above.
SCOPE GRAND TOTAL
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Enter line items to replace the lump-sum rehab / construction budget above.
This is the upfront budget only. Paid-in-advance amounts, completion percentages, and draw scheduling are handled later in underwriting.
Pressure-test the ARV
Add up to three nearby sold comps. The calculator averages their sold price per square foot and applies it to the subject property.
This is a screening aid, not a CMA or appraisal. Similar condition, style, size and location still matter.
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Comp-based ARV suggestion$0
$0 average / sq ft
What a complete deal file needs
Property factsAddress, type, units, size
Deal structurePurchase, rehab, timeline
Value supportSold comps or appraisal
Borrower detailsExperience and entity docs