🇺🇸United States
DTI, DSCR, ARM vs fixed, 1031, STR — the full US mortgage and investment toolkit.
The US mortgage market has its own qualification framework — DTI ratios, DSCR lending, ARM vs fixed comparisons, and state-by-state tax complexity. These tools model the details that matter when you're buying or investing in the US.
All premium calculators are inside Stresst
Free to download. Premium features unlocked inside the app — no browser input fields, no waiting for a webpage to load.
What's included
7 calculators. Run them in the app.
DTI Ratio
PremiumDebt-to-income ratio for US mortgage qualification — front-end and back-end ratios checked against conventional and FHA thresholds, so you know exactly where you stand before applying.
ARM vs Fixed
PremiumSide-by-side projection of an adjustable-rate versus fixed-rate mortgage over your chosen horizon, with a rate-shift sensitivity view showing how much your payment moves if the ARM resets.
DSCR
PremiumDebt Service Coverage Ratio for investment property financing — the key metric non-QM and portfolio lenders use instead of personal income when evaluating a rental property deal.
1031 Exchange
PremiumCapital gains deferral eligibility check, boot calculation, and replacement property sizing rules — so you know the minimum purchase price to fully defer your gain.
Short-Term Rental
PremiumAirbnb and STR income modelling with occupancy sensitivity, platform fees, and net return after management, cleaning, and running costs.
PMI Estimator
PremiumPrivate mortgage insurance cost by LTV and credit tier, plus the crossover point at which PMI drops off — so you can weigh a larger down payment against the ongoing PMI cost.
Property Tax Estimator
PremiumState and county effective tax rate estimates applied to your purchase price, factoring in common exemptions where applicable.
🇺🇸All of this, in one app.
Free to download. Premium tools unlock seamlessly inside Stresst — no subscriptions to juggle, no separate apps to install.