underwriting and offer workspaces · Intermediate
Refinance sources-and-uses workbench
Calculate refinance cash required or available after all stated uses. Includes balanced refinancing sources-and-uses export.
Your assumptions
Illustrative starting values. Replace them with your own evidence. Inputs stay in this browser.
Your scenario, explained
Results
Calculation assumptions
Version 1.0.0 · Educational scenario, subject to the stated assumptions.
How this calculation works
Method and assumptions
Size debt using DSCR, LTV and debt yield, then deduct fees, payoff, reserves, repairs and desired cash-out. Positive cash is surplus after uses; negative cash is additional equity required.
Worked example
The default $250,000 cash flow, 6.5% rate, 30-year amortization and 1.25x coverage requirement limit debt to $2,636,846.99; the $4 million value at 70% LTV and 8.5% debt-yield limit are higher. After a 1% fee, $2.7 million payoff, $35,000 costs, $50,000 reserves and $100,000 repairs, the funding shortfall is $274,521.48 before any cash-out.
Before using the result
Know the boundaries
- Educational scenario, not a quote, commitment, approval, appraisal or payoff statement.
- Defaults and thresholds are editable illustrations; the executed documents and lender underwriting control.
Method references
Discuss your financing with Jaken Finance Group ↗Keep working through the decision
Related resources
Extension versus refinance when the property is improving
Compare available time cash requirements and performance conditions. Includes extension and refinance scenario schedule.
Case: Early portfolio refinance or a temporary liquidity facility?
Compare the cost and repayment dependency of refinancing early versus borrowing temporarily to preserve a portfolio cash floor.
A financing sources-and-uses schedule that balances by phase
Build an editable financing budget that reconciles deposits, closing funds, future advances and sponsor equity without counting the same dollar twice.