Capital Stack Buy BRRRR DSCR underwriting spreadsheet

Capital$tack | Buy: BRRRR Calculator + DSCR Underwriting Tool (Personal License)

$169

If you’re tired of “guru math”… this is bank math.
Capital$tack | Buy (Capital Stack) is lender-aligned BRRRR underwriting built for conservative decisions that hold up under DSCR lending.

It’s a deal-underwriting app wearing Google Sheets clothing.

✅ Click here to make your Personal copy How it works ↓
We do lender math, not magic. Want the weekly cheat codes?

Free Deal Math Drops
1–2 emails/week. Underwriting tips, negotiation levers, lender rules. No spam.

DSCR + PITIA (Bank Style)

Underwrite like a lender using DSCR, NOI, PITIA, and conservative assumptions.

Max Offer Logic

Negotiation-ready Max Offer math with Suggested Opening Offer guidance.

Deal Filter Mode

Screen deals fast, skip dead deals early, and go deeper only when the numbers deserve it.

How delivery works: Click the button → checkout on Gumroad → instantly create your private Google Sheets copy.
Disclaimer: We do lender math, not magic. This tool doesn’t guarantee approvals or profits. It helps you underwrite conservatively based on the numbers you enter.

What this tool underwrites (like a lender)

Built for BRRRR and DSCR investors who want lender-aligned underwriting before they make an offer.
Capital$tack | Buy is a BRRRR calculator + DSCR underwriting tool in Google Sheets designed for lender-aligned rent, PITIA, NOI, Max Offer, and cashflow decisions.

  • Rent (Market + Underwritten Rent)
  • PITIA + cashflow modeling (post-refi)
  • NOI + DSCR outputs (lender-aligned)
  • Max Offer logic (negotiation-ready)
  • Suggested Opening Offer guidance
  • Primary Concern + verdict-style decision outputs
  • Deal Filter Mode to screen deals fast and skip dead deals early
How the spreadsheet actually works (the lender math)
Capital$tack | Buy underwrites your deal the way a conservative lender does, using rent, PITIA, NOI, and DSCR to decide if the numbers hold up before you make an offer.
  • Rent gets underwritten (not just “what you hope it rents for”) so the deal survives conservative assumptions.
  • PITIA is built like a bank payment so cashflow reflects real ownership costs.
  • NOI is calculated the correct way because lenders judge deals using NOI.
  • DSCR is measured against your target so the verdict matches lender thresholds.
  • Max Offer ties it together so you can pressure-test price + rehab without guessing.
Financing + refinance (to match your lender)
In the Financing Levers menu, you can model the deal the same way your lender will underwrite it. Finance and refinance paths are fully customizable.
  • Bank / Credit Union purchase
  • Hard Money / Bridge → Refi
  • DSCR lender purchase
  • Rate & Term refinance
  • Cash-Out refinance
✓ Run the same property through different paths and watch how your payment, PITIA, DSCR, and cashflow change in real time. Bottom line: you’re underwriting with your lender’s rules.
Best for
  • BRRRR investors (Buy, Rehab, Rent, Refi)
  • DSCR loan buyers
  • Rental property owners optimizing cashflow + DSCR
  • Conservative underwriting
  • Negotiation math + lender reality checks
How delivery works
No waiting, no “request access”, no confusion. Checkout creates your private copy instantly.
1

Click the button

Start checkout from this page to get instant access.

2

Checkout on Gumroad

Fast payment + automatic delivery handled for you.

3

Make your private copy

Your link creates your Google Sheets copy immediately.

License

Personal License = 1 user. Not for redistribution.

✅ Get Instant Access
✅ Click here to make your Personal copy Back to how it works ↑
Disclaimer: We do lender math, not magic. This tool doesn’t guarantee approvals or profits. It helps you underwrite conservatively based on the numbers you enter.