Run the numbers before you offer

Free underwriting tools for rentals, flips and new builds in Massachusetts and Rhode Island. Know if a deal works before you sign.

Quick check

  • FHA3.5% down · owner-occupied down payment coverage
  • Conventional15% down down payment coverage
  • DSCR25% down · investor loan down payment coverage
Coverage = 75% of rent ÷ payment. GO at 1.20x, REVIEW at 1.00x.
Edit assumptions rates

Sample rates for illustration, 30-year terms. Includes FHA upfront and monthly mortgage insurance and conventional PMI. Your lender's numbers will differ.

Two tools, one for each kind of deal

The quick check is a starting point. The full tools model the whole deal, step by step, the way a lender will.

RE Investor Tool

For buy-and-hold rentals, from a single family to a four-unit.

  • FHA, conventional and DSCR financing side by side on the same property
  • Cash to close, monthly cash flow and cash-on-cash return
  • Debt-service coverage the way investor lenders measure it
  • A one-page PDF summary to share or keep
Open RE Investor Tool

Project Finance Analyzer

For fix-and-flips and ground-up new construction.

  • Itemized budget, a quick number, or a cost-per-square-foot library
  • Monthly draw schedule with interest charged only on what's drawn
  • Slow-sale and cost-overrun stress tests, plus a refinance-and-hold exit
  • A lender-ready project summary as a PDF
Open Project Finance Analyzer

Local details, already built in

Generic calculators skip the costs that sink deals here. These don't.

Transfer tax
Set to the Massachusetts deed excise ($4.56 per $1,000) by default. Change it for Rhode Island's conveyance tax or any other state.
Project Finance
Draw schedule
Even, front-loaded, back-loaded or your own percentages by month, with a fee per draw.
Project Finance
Interest reserve
Lender-funded interest, calculated or capped, added to the loan balance the way it really accrues.
Project Finance
Max loan-to-ARV
Flags when your loan is above what a hard-money lender will fund, so you know to bring more cash.
Project Finance
Three loan types
FHA at 3.5% down, conventional at 5–19% and DSCR at 20%+ on the same property.
RE Investor
Exit timing
What each extra month of holding costs you, and how many months of cushion the profit gives you.
Project Finance

Built from real deals

These tools started as the spreadsheets we use to underwrite our own rentals, flips and new builds. We needed one place to check a deal before making an offer, so we built it.

They're free while we build out the site. All we ask is your name and email when you open a tool, so we can tell you when new features arrive.

Questions

Is it really free?

Yes. Both tools are free to use. Paid extras may come later, and anything free today stays free.

What happens to my name and email?

They're stored privately and used only to send you updates about these tools. They're never sold or shared. You can ask to be removed at any time. See the privacy policy.

Where are my deals saved?

In your own Google Drive. Click “Save to Google Drive” in either tool and each deal is saved as a Google Sheet in a “Poised Investments” folder. The site can only see files it created, never the rest of your Drive. You can also save deals in your browser without signing in.

Do the tools work outside Massachusetts and Rhode Island?

Yes. The math works anywhere. Set the transfer tax to your state's rate, or to zero, and adjust taxes and closing costs to your market.

Is this financial advice?

No. These are screening estimates. Confirm rates, costs and values with your lender, contractor, appraiser and attorney before you commit. Read the full disclaimer.

Got a deal on your desk?