Refi Decision Engine

Compare lender terms side by side and read the true cost of a refinance. Every figure is calculated from the numbers you enter. None of it is an offer, an approval, or a guarantee.

Property

Save to track over time

The property

Appraised value / ARV ($)Debt to retire ($)Total payoff of the loans this refinance replaces.Annual NOI ($)Drives the debt coverage on each option.

Lender options

LTV (%)Rate (%)Term (yr)Points (%)Closing ($)

Side by side

Lender A

New loan: $459,603
Cash out: $47,903
Monthly payment: $3,214
Debt coverage: 1.45
Total interest: $697,297
True cost: $705,893

Lender B

New loan: $492,432
Cash out: $82,866
Monthly payment: $3,613
Debt coverage: 1.29
Total interest: $808,353
True cost: $814,815

Metric	Lender A	Lender B
New loan	$459,603	$492,432
Cash out	$47,903	$82,866
Monthly payment	$3,214	$3,613
Debt coverage	1.45	1.29
Total interest over term	$697,297	$808,353
True cost (points + closing + interest)	$705,893	$814,815

True cost totals the points, closing costs, and all interest paid over the full term. Cash out is the new loan less the debt you retire, less points and closing. A gold highlight marks the strongest option on that row. These are calculated comparisons from your inputs, not lender offers or approvals.

Client Teach Sheet

Export this refinance comparison as a clean one page sheet you can walk a client through. Every figure is calculated from the numbers you entered.

Alchemist Nation

Refinance Analysis

Refinance analysis

The property

Appraised value / ARV: $656,576
Debt to retire: $403,104
Annual NOI: $55,809

Lender A

New loan: $459,603
Cash out: $47,903
Monthly payment: $3,214
Debt coverage: 1.45
True cost: $705,893

Lender B

New loan: $492,432
Cash out: $82,866
Monthly payment: $3,613
Debt coverage: 1.29
True cost: $814,815

This document was prepared by its user with educational calculators from Alchemist Nation. Alchemist Nation did not prepare, review, or approve this document and makes no representation about its accuracy or completeness. All figures reflect assumptions entered by the preparer and are hypothetical educational illustrations. This document is not financial, legal, or tax advice, is not an offer of any kind, and may not be used to solicit capital or promote any financial product or arrangement.

Alchemist Nation is an education platform. Nothing on this site is financial, legal, tax, or accounting advice, and nothing here is an offer or recommendation of any product, service, or financial arrangement. All calculators and tools produce hypothetical illustrations based entirely on numbers you enter, which are not independently verified. Consult qualified licensed professionals before making financial decisions. © 2026 Alchemist Nation

One operator's numbers, entered by them, not a typical, promised, or verified return. Educational tool from AlchemistNation.com. Not financial advice.

Save to this property

Select a saved property from the Property menu above to save this comparison to its Financing Ledger. You can still compare lenders here without saving.

This tool is for educational and operator planning purposes only. It is not a loan commitment, an offer to lend, investment advice, or a guarantee of any outcome. All figures are estimates generated from the inputs you provide and do not reflect lender underwriting or actual terms. Run every deal past your own counsel, lender, and accountant before acting.

Underwrite the full acquisition and refinance in the two-phase underwriting tool.