DSCR Loan Calculator

Use this when the user wants to analyze a U.S. residential investment property as a DSCR loan: the debt service coverage ratio, monthly PITIA, cash flow, cap rate, and break-even rent or price for a 1-10 unit rental. Returns the numbers plus an interactive calculator the user can edit; every call recomputes from the complete current scenario, so asking "what if rent were $1,500?" re-calls this tool with the updated scenario. The interest rate is the user's supplied rate or a labeled market assumption (Freddie Mac PMMS plus a set spread); this tool never quotes rates or terms. Do not use for owner-occupied or consumer mortgages, refinancing a primary residence, SBA/business debt, or questions about what the user qualifies for.

calculate_dscr

Use this when the user asks to continue the calculator scenario on OneMoreDoor.com. Creates an anonymous, expiring snapshot of the current calculator scenario and returns a continue URL that opens the existing OneMoreDoor Capital funnel with the same numbers preloaded: no retyping, no personal data stored. Do not call unprompted unless the user asks to continue the scenario.

create_calculator_handoff

Use this when the user asks to share or print the calculation. Creates an anonymous, expiring snapshot of the current calculator scenario and returns a link to a read-only copy on OneMoreDoor.com that the user can send or print; no personal data is stored. Do not call unprompted unless the user asks for a shareable link.

share_calculator

Show the interactive DSCR calculator for a scenario. First call calculate_dscr, then pass the SAME scenario to this tool; it renders the editable calculator (DSCR, PITIA, cash flow, break-evens) the user can work with directly. Call this after every calculate_dscr the user should see, including follow-up recalculations, so the calculator on screen stays current; the calculator component shows the latest rendered result. Skip it only when the user asked for numbers with no visual.

render_dscr_calculator