Run the numbers before anyone runs your credit.
Six estimators built for the situations conventional calculators ignore. None of them pull credit. None of them are an approval. All of them are more useful once we see your full picture.
All results are estimates for educational purposes only. They are not a loan approval, pre-approval, quote, or commitment to lend. Actual terms depend on lender guidelines, underwriting, the property, and your credit. Discuss tax consequences with your CPA and investment decisions with your financial advisor.
Estimate principal, interest, taxes, insurance and HOA on any purchase price.
Calculate payment →Work backwards from income, debts, and DTI to a max payment and price range.
Check affordability →Investor rent-to-payment math. Ratio, PITIA, and monthly cash flow before you write the offer.
Run the DSCR math →Retiree and high-net-worth planning. Monthly qualifying income across 60 / 84 / 120 months.
Estimate asset income →Compare current and new payment, monthly savings, and months to recover closing costs.
Run break-even →2-1 and 3-2-1 temporary buydowns. Stepped payments by year and total subsidy cost.
Run buydown scenario →What a lower payment costs over thirty years.
Run both numbers →What your deposits could mean as qualifying income, next to what your tax return shows.
Estimate income →What selling investments to pay cash actually costs over ten years.
Run the comparison →Projected profit and return on cost for a short-hold project.
Measure the margin →Thinking about rolling debts into a mortgage? Read Debt Consolidation Mortgages: Two Numbers, Not One.
Calculator FAQ
Yes. No signup, no email gate, no obligation. Run as many scenarios as you like.
The math is exact. Your real number depends on credit, down payment, lender pricing the day you lock, and property-specific taxes and insurance. Treat these as planning estimates, not a quote.
No. Everything runs in your browser. Nothing is saved or transmitted.
Use affordability while you are shopping and payment once you have a property in mind. Investors should start with DSCR.
A calculator can't read your whole file.
These tools answer one question each. The scorecard answers the one that matters: which programs are commonly used for situations like yours.