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Stackhold · United States
Built for US investors, with Fannie / Freddie rules inside.
Conventional investor loans require 20%+ down. Payment-based DTI capped at 43%. Rent in monthly. DSCR loans, 1031 exchange, and escrow — all modelled.
stack-hold.app
Dashboard
Equity, headroom, next move
Net equity
$1,423,400
+$12,400 this year
LVR
58%
DTI
5.1×
Service
12%
+$12.4k projected
this year's equity
Your lending rules, built in
United States serviceability, properly modelled.
Conventional investor 20%+ down, payment-based DTI capped at 43%.
- Conventional investor LTV 80% (20%+ down) — editable per property
- Payment-based DTI capped at 43%: monthly housing + debt payments ÷ gross monthly income
- DSCR-style serviceability check when income alone is thin
- 1031 exchange tracking — defer capital gains on qualified swaps
- Property tax, escrow, insurance and HOA modelled per property
- Rent entered weekly under the hood, displayed monthly — the US convention
Defaults in Stackhold · United States
- Owner-occupied LVR
- 80%
- Investor LVR
- 80%
- DTI cap
- 43%
- Stress-test
- —
- Rent period
- monthly
- Currency
- US$
Every value is user-editable — defaults reflect typical lender policy.
Speaks your language
Native terminology, not translated.
Stackhold uses the terms you actually use — no US-tool-in-translation friction.
LTVDTI1031 exchangeDSCREscrowProperty tax
- LTV (loan-to-value) — the US analogue of LVR, with the same math.
- Payment-based DTI → monthly PITI + debt ÷ gross monthly income, capped at 43%.
- DSCR → property-level debt-service coverage ratio for portfolio investors.
- 1031 exchange → defer capital gains when you reinvest into a qualified replacement.
- Escrow → taxes and insurance rolled into the monthly payment, tracked in-app.
- Rent shown monthly with a "≈ $X/week" helper so the math stays transparent.
"We owned one rental and kept putting off buying another because the numbers scared us. Stackhold laid out the whole picture — we bought with our eyes open."
Dave & Linda
Mum-and-dad investors · Tauranga
Quick check · No sign-up
How much can you actually borrow?
Three fields. Five seconds. A real answer — using your market's DTI and LVR rules. Then you'll see what Stackhold unlocks when you plug in the full picture.
- NZ, AU, US rules baked in
- Stress-tested serviceability
- No tracking, no email required
Built for United States investors.
Free forever. Pro when you want the 10-year forecast and AI.
No credit card · Cancel anytime · Your data stays in your private cloud account