Most deals don't fail because the asset is bad. They fail because the debt doesn't work. Ridge Ratio helps real estate investors and business buyers test DSCR, LTV, cash flow, lender risk, and downside scenarios — before pursuing a deal.
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A property can show strong rent. A business can post solid EBITDA. A broker can make the numbers look clean. But once you layer in the loan, everything changes.
Most buyers don't lose because they can't find deals.
They lose because they can't quickly tell which deals are financeable.
Enter the purchase price, income, loan amount, rate, and key assumptions. Ridge Ratio tells you exactly what a lender will see — before the lender sees it.
Not because the business is bad. Not because the property is bad. Because the debt structure does not work.
Debt service eats the cash flow. A deal generating $120K/yr can't survive a $130K annual payment — no matter how good the asset is.
A deal that works at 6% can fail at 8.5%. Rate sensitivity is the most overlooked risk. Ridge Ratio shows you exactly where the breakpoint is.
Amortization, term, IO periods, and seller financing change the entire outcome. The same deal can work or fail based purely on debt structure.
Track deals from New Lead to Closed with a Kanban board. Each card shows DSCR, deal score, risk rating, and stage.
Real formulas: amortizing loans, IO periods, DSCR, max loan, max rate, break-even occupancy, downside scenarios.
Ask questions about any deal. Explain DSCR, compare loan structures, generate lender memos, stress test assumptions.
Score your deal across 6 categories lenders evaluate: cash flow, collateral, borrower strength, deal structure, market, and legal. Know your weak spots before the bank does.
Full real estate and business acquisition checklists covering every item a serious buyer reviews before closing — prioritized by critical, important, and standard.
Every analysis automatically flags DSCR issues, thin reserves, high LTV, rate sensitivity risk, and borrower concerns — before you go to a lender.
Multifamily · $1.2M purchase · $120K NOI · $900K loan · 25-year amortization
The deal did not change. The debt did.
Whether you're underwriting your first deal or your fiftieth, Ridge Ratio answers the only question that matters: can the debt survive?
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Free to start. No credit card required.
Debt simulator · Deal CRM · Risk scoring · AI analyst
Track deals from New Lead to Closed. Kanban-style board with deal cards showing DSCR, score, risk rating, and stage.
Accurate formulas for amortizing loans, IO periods, DSCR, max loan amount, max rate, break-even, and downside scenarios.
Ask questions, get explanations, generate lender memos, compare structures, and stress test assumptions in plain English.
Score your deal across 6 lender categories — cash flow, collateral, borrower strength, structure, market, and legal. Know your vulnerabilities before the bank does.
Full real estate and business acquisition checklists covering financial, physical, legal, lease, and market diligence — prioritized by critical, important, and standard.
Automatic red flag detection on every simulator run — DSCR issues, thin liquidity, high LTV, rate sensitivity risk, and borrower concerns flagged before you go to a lender.
0–100 deal score across financial strength, market context, and borrower strength — not just DSCR.
Start from real-world templates: laundromat, HVAC, multifamily, commercial, SBA, seller financing, and more.
Generate professional deal memos, investment summaries, and lender-ready reports with one click.
Choose a scenario and Ridge Ratio pre-fills the right inputs and benchmarks.
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Track acquisitions from lead to close
Pick the type of acquisition. Ridge Ratio tailors the analysis — DSCR, scoring, red flags, financing options — to your asset class.
Ask anything about your deal, loan structures, market assumptions, or get a lender memo generated.
Start from a real-world scenario with pre-filled assumptions.
Score your deal the way a lender would — 100 points across 6 categories. Find your weaknesses before the bank does.
Score your deal across all 6 categories lenders evaluate — and see exactly where you're vulnerable.
Track every item a serious buyer and lender would review before closing.
Compare 7 debt structures for any deal in your pipeline — bank, SBA, hard money, bridge, seller financing, IO, cash.
Upgrade for unlimited deal analyses, the pipeline CRM, AI analyst, and loan comparison tools.
Save your current analysis (DSCR, score, loan structure) to the pipeline. You can rename or move it later.
Create a placeholder. You can run the analysis to score it later.
Pick the new pipeline stage for this deal.
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