Every listing on Flyover Grade is run through the same financing case:
That fixed case sets the loan amount (75% of price), and the rate and amortization schedule turn that loan amount into a monthly payment. That monthly payment is the denominator in every DSCR figure on the site.
Why fixed, not tailored to your actual deal
If every listing used a different assumed rate or down payment — whatever a given buyer happened to have lined up — grades would stop being comparable to each other. A listing could look better or worse purely because of financing terms, not because of the property itself. Using one fixed yardstick for every listing in a cycle is what makes the A/B/C grading mean something as a relative comparison.
What this is not
This is a screening assumption, not a loan pre-approval and not a promise that you personally will get 25% down / 8.00% / 25-year terms. Your actual financing will depend on your lender, your credit, the specific property, and market conditions at the time you buy — and it can be meaningfully better or worse than what we assume here. Always confirm real terms with a lender before making an offer.