Calculators
Run the real numbers.
Most online calculators leave out property taxes, condo fees or what rental income does to the math. These include them.
Residential
What can I afford?
Enter your real numbers. We’ll show a comfortable price and a stretch price, with the full monthly cost for each.
Comfortable
Total debts at about 36% of gross income
$414,001
about $3,200/month total
- Principal & interest
- $2,459
- Property tax
- $397
- Insurance
- $150
- Mortgage insurance
- $195
Stretch
About 43% — the upper end many lenders allow
$503,986
about $3,900/month total
- Principal & interest
- $3,028
- Property tax
- $483
- Insurance
- $150
- Mortgage insurance
- $239
These are estimates for education only, not a loan approval. They include principal, interest, property tax, insurance, condo fees, and private mortgage insurance when you put down less than 20%. Closing costs and reserves aren’t included. A lender will give you real numbers.
Multifamily & commercial
Triple-decker & investment analyzer.
See what it would cost you to live in one unit of a multifamily, or analyze a property as a pure investment using cap rate, cash-on-cash return and DSCR.
Your cost to live there
$2,650/mo
This is your mortgage and all expenses, minus rent from the other 2 units. Compare it with what you pay in rent today.
Cash needed upfront: $253,000
- Gross rent (all units)
- $100,800
- Operating expenses
- – $28,576
- Net operating income
- $67,184
- Yearly mortgage payments
- – $70,256
- Cash invested
- $253,000
For education only. Confirm rents with comparable listings, get real tax and insurance quotes, and have any property inspected. Lenders may underwrite with different assumptions.
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