Debt Service Coverage Originations as easy as 1-2-3
Backed by over 75 years of combined non-agency lending experience, the principals of U.S. Home Capital created DSCO123 to make Debt Service Coverage Originations as easy as 1-2-3.
↗ Loan Pricing Scenario
Borrower & Property
Loan Information
Loan Features
Prepayment Penalty (PPP)
Other
◎ Pricing Recommendation
RECOMMENDED RATE
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Adjustment Detail
Not Saved
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Eligibility ReviewENTER LOAN DETAILS
Requested LTV—
Maximum LTV—
Maximum Cash-Out—
▥ Rate/Premium Analysis
The recommended rate is shown with up to two lower and two higher rate choices. Premium caps are applied to every choice.
| Rate | Net Premium | Choose Rate |
|---|
The recommended rate is selected automatically unless another rate is chosen.
Scenario Summary
Borrower—
Property—
Loan Amount—
Property Value—
LTV / CLTV—
FICO Score—
DSCR—
Purpose—
Property Type—
Prepayment Penalty—
Lock Period—
Target Premium—
Pricing Administration
Upload a pricing spreadsheet when base rates or adjustment values change.
For this demo, uploaded pricing is stored in this browser. It is not sent to a server.
UPLOAD PRICING SPREADSHEET
Click to browse, or drag and drop an XLSX, XLS, or CSV file here.
No replacement pricing file has been loaded.
Company Profit Margins
Set the default company margins used when a user does not have an individual override.
These values are stored securely in Supabase and are visible only to administrators.
Loading company margins…
User Profit Margins
Select a user, review the margins assigned to that login, and save any changes.
Leaving a margin blank uses the company margin from the pricing spreadsheet. Margins remain hidden from borrower-facing adjustment details.
Select a user to view the assigned margins.
User-specific margins have not been changed.
Supported Spreadsheet Layout
| Worksheet | Required Columns | Purpose |
|---|---|---|
| Base Rates | Rate, 25 Days, 40 Days | Replaces base rate grid. |
| Adjustments | Key, LTV50 ... LTV90 | Replaces feature/property adjustment rows. |
| Purchase LTV / Rate Term LTV / Cash Out LTV | FICO, LTV50 ... LTV90 | Replaces purpose-specific FICO/LTV adjustments. |
| PPP | Structure, Term, Adjustment | Replaces PPP adjustments. |
| Caps | Term, Cap | Replaces PPP price caps. |
| Margins | State, Margin | Sets company margins. |
Use a blank cell or dash (-) for an ineligible adjustment.
Saved Pricing Scenarios
| Loan Number | Borrower | Property | Loan Amount | Recommended Rate | Saved | Action |
|---|
Pricing scenarios are stored securely in Supabase and filtered by the logged-in user’s permissions.