Transaction
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Used for Rockstone Flip Premier's 1.00x DSCR check.
Used for the debt-yield checks.
Borrower Profile
Each lender counts experience its own way — the tier each one lands on is shown on its card.
Risk Adjustors
Fees & Closing Costs
These apply to every program. Program-specific fees are included automatically.
Lender Setup
Side-by-Side Results
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What this comparison assumes
Each program is sized at the maximum leverage its guidelines allow for the scenario entered, and priced from its current rate sheet. Rockstone Flip and Rockstone Flip Prime are quoted at 1.75% origination; Rockstone Flip Premier lets you trade rate against points with the slider on its card. Every program includes a $2,495 underwriting fee and a $495 admin fee. Each program counts experience its own way, so the tier shown on each card can differ.
Monthly payment is interest-only. Under Dutch accrual interest is charged on the full loan; under Non-Dutch it is charged on the amount drawn. Cost over the term assumes rehab draws average half the rehab holdback. Cash due at close = down payment + origination + lender fees + closing costs + broker fees; rehab not financed is shown separately.
Refinances without cash out are sized to cover the payoff plus closing costs; cash-out is sized to the amount requested, or the maximum when left at 0. Ground-up and multifamily interest reserves are financed into the total loan. Debt yield = annual NOI ÷ total loan. Bridge assumes no rehab. Every figure is an estimate until the desk confirms it against live pricing.
Monthly payment is interest-only. Under Dutch accrual interest is charged on the full loan; under Non-Dutch it is charged on the amount drawn. Cost over the term assumes rehab draws average half the rehab holdback. Cash due at close = down payment + origination + lender fees + closing costs + broker fees; rehab not financed is shown separately.
Refinances without cash out are sized to cover the payoff plus closing costs; cash-out is sized to the amount requested, or the maximum when left at 0. Ground-up and multifamily interest reserves are financed into the total loan. Debt yield = annual NOI ÷ total loan. Bridge assumes no rehab. Every figure is an estimate until the desk confirms it against live pricing.
Rockstone Flip, Rockstone Flip Prime and Rockstone Flip Premier each price from their own rate sheet and leverage grid. Display names can be changed in Lender Setup; the pricing stays with each program.
Each program is sized at the maximum leverage its grid allows. Rockstone Flip prices by borrower class (A+ 9.50%, A 9.75%, B 10.25%, C 10.75%) plus any exception pricing entered on its card. Origination for Rockstone Flip and Rockstone Flip Prime defaults to 1.75% and can be changed on each card (Prime's rate is priced from the investor's 1.00-point column); Rockstone Flip Premier keeps its tier origination and rate/points slider. All three include a $2,495 underwriting fee and a $495 admin fee. Experience is counted differently by each program: Rockstone Flip counts all exits plus properties owned toward its class score; Rockstone Flip Prime counts flip/hold and ground-up exits; Rockstone Flip Premier uses successful projects and total units to set the tier.
Monthly payment is interest-only. Under Non-Dutch it is charged on the initial advance at closing. Cost over the term assumes rehab draws average half the rehab holdback. Cash due at close = down payment + origination + lender fees + shared closing costs + broker fees; rehab not financed is shown separately.
Refinance: rate & term and delayed purchase are sized to cover the payoff plus closing costs (no cash out); cash-out is sized to the amount requested, or the maximum when left at 0. Rockstone Flip has no delayed-purchase program, so delayed purchase is priced on its no-cash-out refinance grid. Rockstone Flip Prime sizes delayed purchase on its purchase grid, using original price plus completed rehab as the cost basis, and caps rate & term at 102% of the payoff. Rockstone Flip Premier uses its delayed-purchase, rate & term and cash-out columns.
Other programs: Ground-Up Construction, Bridge and Multifamily 5+ use each investor's program grids. Rockstone Flip's ground-up and bridge rates reuse its flip grade rates until investor pricing is confirmed; its multifamily rate comes from the multifamily rate sheet (priced on LTC for purchases and as-is LTV for refinances) plus any exception pricing. Ground-up and multifamily interest reserves are financed into the total loan. Debt yield = annual NOI ÷ total loan. Bridge assumes no rehab. Confirm every number against the live rate sheet before quoting a borrower.
Each program is sized at the maximum leverage its grid allows. Rockstone Flip prices by borrower class (A+ 9.50%, A 9.75%, B 10.25%, C 10.75%) plus any exception pricing entered on its card. Origination for Rockstone Flip and Rockstone Flip Prime defaults to 1.75% and can be changed on each card (Prime's rate is priced from the investor's 1.00-point column); Rockstone Flip Premier keeps its tier origination and rate/points slider. All three include a $2,495 underwriting fee and a $495 admin fee. Experience is counted differently by each program: Rockstone Flip counts all exits plus properties owned toward its class score; Rockstone Flip Prime counts flip/hold and ground-up exits; Rockstone Flip Premier uses successful projects and total units to set the tier.
Monthly payment is interest-only. Under Non-Dutch it is charged on the initial advance at closing. Cost over the term assumes rehab draws average half the rehab holdback. Cash due at close = down payment + origination + lender fees + shared closing costs + broker fees; rehab not financed is shown separately.
Refinance: rate & term and delayed purchase are sized to cover the payoff plus closing costs (no cash out); cash-out is sized to the amount requested, or the maximum when left at 0. Rockstone Flip has no delayed-purchase program, so delayed purchase is priced on its no-cash-out refinance grid. Rockstone Flip Prime sizes delayed purchase on its purchase grid, using original price plus completed rehab as the cost basis, and caps rate & term at 102% of the payoff. Rockstone Flip Premier uses its delayed-purchase, rate & term and cash-out columns.
Other programs: Ground-Up Construction, Bridge and Multifamily 5+ use each investor's program grids. Rockstone Flip's ground-up and bridge rates reuse its flip grade rates until investor pricing is confirmed; its multifamily rate comes from the multifamily rate sheet (priced on LTC for purchases and as-is LTV for refinances) plus any exception pricing. Ground-up and multifamily interest reserves are financed into the total loan. Debt yield = annual NOI ÷ total loan. Bridge assumes no rehab. Confirm every number against the live rate sheet before quoting a borrower.
Indicative, non-binding estimates for internal sales use. Indicative, non-binding estimates. Rates, fees and leverage are subject to final underwriting, appraisal and credit approval. Not a commitment to lend. Loans are for business purposes on non-owner-occupied investment property only. Rockstone Wholesale is a DBA of Quintess Funding LLC, NMLS# 1619403.