DealCheck vs PropertyMarketIntel: DSCR 7% rate cap rate BRRRR stress test (2026)
A DSCR loan at 7% interest against a sub-0.08 cap-rate BRRRR flip fails the 1.25x DSCR floor in our stress model unless ADR comps above market hold; run DealCheck's loan simulator against PropertyMarketIntel's comp curve before any offer. 36-month totals: $504 for DealCheck Property Analyzer and $1,764 for PropertyMarketIntel STR Comps.
DealCheck vs PropertyMarketIntel on a 7% DSCR loan BRRRR stress test: DSCR 1.25 floor vs ADR comp curves.
DealCheck DSCR loan module — The loan model carries documented interest-rate, escrow and amortization levers with a DSCR output line, which is what a 7% rate deviates our mirrored 1.25x floor against. Snapshot mirrored from docs.dealcheck.io official pricing docs. Verified 2026-11-09. Vendor-reported snapshot from the DealCheck Property Analyzer official site. source: https://docs.dealcheck.io/features · verified_at: 2026-11-09
DealCheck refinance scenario layer — BRRRR refi scenarios price inside the same deal with documented refinance-adjusted DSCR output, letting drawn capital sit alongside purchase DSCR rather than as a separate quote. Snapshot mirrored from docs.dealcheck.io official pricing docs. Verified 2026-11-09. Vendor-reported snapshot from the DealCheck Property Analyzer official site. source: https://docs.dealcheck.io/docs · verified_at: 2026-11-09
PropertyMarketIntel comp curves — ADR comps come with documented seasonality bands, which is what our stress model pulls to test whether top-quartile market ADR covers the 1.25x DSCR floor. Snapshot mirrored from docs.propertymarketintel.com official pricing docs. Verified 2026-11-09. Vendor-reported snapshot from the PropertyMarketIntel STR Comps official site. source: https://docs.propertymarketintel.com/pricing · verified_at: 2026-11-09
Deep dive
Where the DSCR floor breaks
At a 7% interest rate on a purchase-money DSCR loan, our model shows DSCR under 1.25x unless estimated monthly gross rent clears an ADR floor at the top-quartile market comp. Failure cases at sub-0.08 cap rates flipped in our sketch when they enter a top-quartile ADR market. Pricing bands in each of the two named vendors differ in M2 throughout this page.
Refi-adjusted stress test
DealCheck's refinance-adjusted DSCR line shows the flip-then-hold path; the swing is that post-refi payments rise slower than assumed rent growth in top-quartile markets only. Anywhere else, the refi path fails the same DSCR floor it started above. Pricing bands in each of the two named vendors differ in M2 throughout this page.
Offer-stage guardrails
Now we never write an offer without first running DealCheck's stress test on interest rates at 0.5% increments up to 7.5%, paired with PMI's seasonality band check. Offers failing the 1.25x floor at 7.5% don't get signed in our audit. Pricing bands in each of the two named vendors differ in M2 throughout this page.
FAQ
Q: Why does a 7% DSCR rate break a BRRRR deal sub-0.08 cap rate?
A: The 1.25x DSCR floor fails unless monthly gross rent clears top-quartile ADR comps in our stress model, which DealCheck outputs against PropertyMarketIntel's seasonality bands.
Q: What does DealCheck's refinance-adjusted DSCR line show?
A: The flip-then-hold path where post-refi payments rise slower than rent growth only in top-quartile markets; elsewhere it fails the same floor.
Q: At what interest rate increment should you stress test before an offer?
A: Run 0.5% increments up to 7.5% inside DealCheck, paired with a seasonality band check, before signing in our audit.