Calculators, tools, and educational guides to help you make smarter investment decisions.
Run your numbers on the exact formulas our Beverly Hills and Kansas City underwriting desks use — then open our browser-fillable loan forms, deal document showcase, or 2026 Playbooks.
Underwriting Calculators
Interactive Scenario & Qualification Tools
DSCR Calculator
Calculate your Debt Service Coverage Ratio instantly. Enter gross monthly rent, loan amount, and monthly taxes/insurance/HOA to see if your deal qualifies.
1.17x
See how Citizens Interstate packages a deal.
Explore our live Royal Palms Apartments ($3.44M acquisition facility) package — Deal Teaser, Term Sheet, and Lender Quote Comparison — with institutional typography and export-to-PDF. The same system powers documents in the Deal Room.
Thirteen browser-fillable Citizens Interstate forms — application through servicing.
Type directly into any form and print or save it as a PDF, then upload it through your secure portal or email it to dealdesk@citizensinterstate.com. Missing just one? Grab it here without re-doing your application.
Loan Application · PFS · Credit Authorization · Business Purpose · ACH · Insurance · and more
Educational Guides & Subpages
Interactive Walkthroughs, Playbooks & Underwriting Standards
Broker Partnership Guide
The full immersive broker experience — best execution, locked fees, white-label, and the Deal Room.
Investor Financing Guide
The immersive investor walkthrough — programs, the operator story, funded deals, and how to start.
DSCR Loans Explained
Everything you need to know about qualifying on rental income without personal tax returns.
Fix & Flip Financing Guide
LTC, ARV, draw schedules, and how to structure a profitable renovation project.
STR Income Qualification
How lenders evaluate Airbnb and VRBO income for mortgage qualification.
Multifamily Underwriting 101
NOI, cap rate, DSCR, and debt yield — the metrics that matter on 5+ unit properties.
Where We Lend (48 States)
Our coverage map across 48 states and major metro markets from Beverly Hills to Kansas City.
How We Underwrite & Close
60-second triage, direct decisions, and our 5-party, 12-day closing timeline.
Download the Guides
Print-ready PDFs for brokers and investors.
The broker partnership and onboarding guides, the full product guide, the investor financing guide, and a sample loan proposal. Open any guide below to view or print to PDF.
Broker Partnership Guide
Best execution, locked fees, white-label term sheets, and the full broker pitch.
Broker Onboarding Guide
Step-by-step portal setup, fee lock, and co-branding configuration.
Deal Room Broker Walkthrough
Walkthrough of quote desk, live pipeline gates, and marketing studio.
Complete Product Guide
All seven programs — leverage, terms, FICO tiers, and program fit.
Investor Financing Guide
Operator story, programs, funded deals, and how to get started.
Sample Loan Proposal — Royal Palms
Flagship 33-unit multifamily proposal — real deal, real numbers.