Refinance Analysis Tool (Pro)

Evaluate the financial impact of refinancing an investment property.

Tool Overview

The Refinance Analysis Tool helps investors evaluate whether refinancing an existing property improves cash flow, risk profile, or long-term performance.

Rather than focusing solely on interest rate reductions, this tool examines the full financial impact of refinancing, including changes to debt service, cash flow, leverage, and capital recovery.

It is designed to help investors understand not just if refinancing is possible, but whether it meaningfully improves the property’s financial position.

Analysis Depth

This tool provides debt structure and cash flow impact analysis, not return forecasting.

It compares current and proposed loan terms to show how refinancing affects income coverage, leverage, and ongoing cash flow. The tool does not model appreciation, future exit values, or investment returns.

Its purpose is to support informed refinancing decisions by highlighting trade-offs rather than optimizing for a single outcome.

Refinance Analysis Tool

Property Income

Current Loan

Proposed Refinance


Calculated Results & Performance Breakdown

After calculation, the tool compares current vs. refinanced scenarios, including:

  • Annual Debt Service (Before and After)
    Shows how loan restructuring impacts payment obligations.

  • Annual Cash Flow Impact
    Change in cash flow resulting from the refinance.

  • Debt Service Coverage Ratio (DSCR)
    Comparison of income coverage before and after refinancing.

  • Cash-Out or Capital Recovery (if applicable)
    Capital returned to the investor through refinancing.

Results are presented side-by-side to clearly illustrate both benefits and trade-offs.

When to Use This Tool

Use the Refinance Analysis Tool when:

  • Evaluating whether to refinance an existing property

  • Comparing refinance offers or loan structures

  • Assessing the cash flow impact of rate changes

  • Considering cash-out refinancing

  • Reviewing leverage and income coverage post-refinance

Professional Use Cases

  • Investors evaluating refinance opportunities

  • Advisors modeling loan restructuring options

  • Portfolio managers assessing leverage adjustments

  • Partners reviewing capital recovery scenarios

  • Owners balancing cash flow vs. leverage risk

Common Misinterpretations This Tool Helps Avoid

  • Assuming lower interest rates always improve outcomes

  • Ignoring refinance costs and fees

  • Focusing on monthly payment savings alone

  • Overlooking changes to income coverage and risk

  • Treating cash-out proceeds as “free” capital

Suggested Analysis Workflow

  1. Input current loan and income data

  2. Enter proposed refinance terms

  3. Review changes to debt service and cash flow

  4. Compare DSCR before and after refinancing

  5. Pair results with Vacancy and Break-Even analysis

Related Tools

  • Debt Service Coverage Ratio (DSCR) Calculator

  • Net Operating Income (NOI) Calculator

  • Vacancy Impact Analyzer

  • Break-Even Analysis Tool

  • Deal Comparison Tool

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Important Note

The tools and calculators provided on this website are for informational and educational purposes only. The calculations and results are based on the information you provide and certain assumptions, and are not guaranteed to be accurate or complete. These tools are not intended to provide legal, financial, tax, or investment advice, and you should not rely on them as such.

The results generated by these tools do not constitute a guarantee of future performance, returns, or outcomes. Your actual results may differ significantly based on your specific circumstances, market conditions, and other factors not accounted for in these calculations.

We strongly recommend that you consult with qualified professionals—such as a financial advisor, real estate agent, accountant, or attorney—before making any financial, investment, or business decisions based on the results of these tools. Your use of these tools is entirely at your own discretion, and we are not liable for any damages, losses, or adverse consequences arising from your use of or reliance on these tools.