USInvestorLending — Run Every Real Estate Deal Before You Invest
Live Rates
30yr Fixed7.12%▼ .08
15yr Fixed6.54%▼ .05
DSCR7.50%
FHA 30yr6.87%▼ .06
Hard Money11.0%
Get our rate — 0.25–1% below market
A DBA of MortgageToday LLC · NMLS #2727066 · 35 States

Run every real estate deal before you invest.

Investor-grade calculators for DSCR loans, BRRRR, fix & flips, and foreign national financing — built by a real mortgage broker who can actually fund the loan.

100% free
No credit pull
Instant PDF reports
A
35 States
Licensed
Nationwide coverage
Wholesale Rate
7.50%
DSCR · Today
DSCR Deal Analysis
2BR · Miami, FL · Duplex
1.32
DSCR
ratio
Qualifies easily
Cash Flow
$642
Cap Rate
7.1%
Cash-on-Cash
8.8%
Debt Coverage Strength Strong · 82%
Licensed in 35 States
NMLS #2727066
Equal Housing Lender
DSCR Down to 1.00
30+ Countries Financed
Trusted by agents at
eXp Realty
Coldwell Banker
RE/MAX
NEXA Mortgage
CrossCountry Mortgage
+ Independent Agents
500+
Deals Analyzed
17+
Investor Tools
30+
Countries Financed
35
States Licensed
$0
Cost to Analyze
Client Stories

Real investors. Real results.

From DSCR closings to foreign national purchases — here's what investors and their agents say about working with us.

Google

Kevin found us a DSCR loan when three other lenders said no. The deal penciled out at a 1.28 ratio and we closed in 28 days. The calculator let us run 10 scenarios before we even called him.

MR
Marcus R.
Buy & Hold Investor · Miami, FL
Google

I'm from Brazil with no US credit history. MortgageToday closed my Fort Lauderdale condo with 30% down and no tax returns. I didn't think it was possible until I found this platform.

FS
Fernanda S.
Foreign National Buyer · Brazil
Google

As a RE/MAX agent I send all my investor clients here first. The DSCR calculator gives them a real answer before we tour properties. It's saved us from chasing deals that wouldn't qualify.

JL
Jennifer L.
RE/MAX Agent · Fort Lauderdale, FL
Google

We used the BRRRR calculator to map out our refinance before we even bought. Eight months later Kevin had the DSCR refi ready. We pulled out $87k and kept the property cash flowing positive.

DW
David W.
BRRRR Investor · Houston, TX
Google

I'm self-employed and banks always wanted tax returns that make it look like I earn nothing. Kevin used a bank statement loan and we closed on our investment property in 21 days. Incredible.

AT
Ana T.
Self-Employed Investor · Tampa, FL
Google

The Fix & Flip calculator showed I was overestimating my ARV by $30k. Kevin caught it before we closed. That tool literally saved me from a bad deal — then he funded my next flip at 90% LTC.

RM
Robert M.
Fix & Flip Investor · Orlando, FL
5.0 average rating
Based on Google reviews · MortgageToday LLC
The Toolkit

Every calculator a serious investor needs.

Run the numbers on any deal in seconds. Each tool gives you a clear answer, a professional report, and a real broker behind it who can fund the loan.

New Tools
Investor Financing

Creative solutions for complex deals.

MortgageToday LLC powers the financing behind this platform. When the numbers work, we can fund it — with programs traditional lenders won't touch.

Bridge Loans

Investor client needs quick capital to bridge a property sale? We provide interim financing so they never miss a deal while waiting for their current property to close.

Short-term Fast close Asset-based

Transactional Funding

Wholesale clients running a double closing? We fund the A-to-B side so they can secure the property and immediately close with their end buyer — same day, no seasoning required.

Double close Wholesalers Same-day

Fix & Flip

Investor planning a full property makeover? We fund both the acquisition and the rehab costs — so they can move fast on the buy, complete the renovation, and flip profitably.

Purchase + rehab Short-term ARV-based

New Construction

Building a residential investment property from the ground up? We provide construction financing with draw schedules, so funds release as each phase completes.

Ground-up Draw schedule Residential
Powered by MortgageToday LLC
Have a complex deal? Let's talk through the financing.
Built For

Whether you have one door or fifty.

Traditional banks say no when the file gets complex. We built this platform for the investors and buyers they turn away.

Real Estate Investors

  • DSCR loans that qualify on rent, down to 1.00
  • BRRRR, fix & flip, and STR cash flow analysis
  • Bridge loans and portfolio cash-out
Analyze a Deal →

Foreign National Buyers

  • No US credit or tax returns needed
  • Qualify on the property and your down payment
  • Financing for buyers from 30+ countries
Check Eligibility →

Realtors & Loan Officers

  • Branded PDF reports with your name & NMLS
  • Look like the expert at every first meeting
  • Close more deals with investor-grade tools
See Pro Plans →
How It Works

From address to answer in 60 seconds.

01

Pick your tool

DSCR, BRRRR, foreign national, fix & flip — choose the calculator that fits the deal you're looking at right now.

02

Enter the numbers

Type in the price, rent, rate, and a few details. Results update live as you go — no sign-up, no credit pull required.

03

Get your answer

See if the deal works, save a professional PDF, and book a call with a broker who can actually fund it.

Why USInvestorLending

A calculator site can't fund your loan. We can.

Most investor tools are run by software companies selling subscriptions. This one is run by a licensed mortgage broker who closes these exact loans every week.

Feature
USInvestorLending
Typical Calculator Sites
DSCR & investor loan analysis
Yes
Sometimes
Foreign national qualification tools
Yes
No
A real broker who can fund the loan
Yes
No
Professional PDF reports
Free
Paywalled
EN / ES bilingual platform
Yes
No
Wholesale rates 0.5–1% below retail
Yes
No
Move Fast

Two ways to unlock your equity today.

5-Day Digital HELOC

Tap your home equity fast with a fully digital HELOC. Funding in as little as 5 days — no appraisal needed on most properties. Perfect for funding your next investment.

Start My HELOC →

Free Property Value Report

Find out what your property is worth right now — free, instant, no obligation. Know your equity before you refinance or pull cash out.

Get My Free Report →
For Realtors & Loan Officers

Put your brand on every report.

Everyone uses the tools free. Realtors and loan officers who want their own logo, name, and NMLS on every PDF upgrade to Pro.

Free
$0 / forever
 

  • All calculators & tools
  • Live results & charts
  • PDF reports (our branding)
  • No account needed
Start Analyzing
Pro Unlimited
$59 / mo
$49/mo billed annually — save 17%

  • Unlimited branded reports
  • Everything in Pro Basic
  • Priority support
  • Best for teams & high volume
Get Pro Unlimited →

Questions? Call 786-371-2790 or book a free call.

Questions

Answers before you ask.

What is a DSCR loan and how do I qualify?
A DSCR loan qualifies you based on the rental income of the property, not your personal income or tax returns. If the rent covers the mortgage payment, you can qualify. We fund DSCR loans down to a 1.00 ratio.
Can I get a mortgage as a foreign national with no US credit?
Yes. We work with buyers from 30+ countries who have no US credit history and no US tax returns. These loans qualify based on the property's income and your down payment — typically 30% or more.
Are the calculators really free?
Every calculator is 100% free with no account required and no credit pull. We make money by funding loans. Realtors and loan officers can pay for Pro to put their own branding on the PDF reports.
Where are you licensed?
USInvestorLending is a DBA of MortgageToday LLC, NMLS #2727066, licensed in 35 states. We specialize in investor, non-QM, and foreign national financing.
What does Pro membership include?
Pro lets realtors and loan officers add their own logo, name, company, phone, email, and NMLS/MLS number to every PDF report. Pro Basic is $29/mo for 20 reports per month. Pro Unlimited is $59/mo for unlimited reports. Both bill at 17% discount annually.

Found a deal that works? Let's fund it.

Book a free 15-minute call. No pressure, no credit pull — just a straight answer on whether your deal can close and at what rate.

Analyzing a deal? Talk to a broker — we can actually fund it.
Book a Free Call →