Calculators
Run your own numbers.
Payment, affordability and refinance for home buyers. DSCR, fix and flip, and ground-up construction for investors. Every estimate updates as you type, and nothing here asks for your email.
Monthly payment
Full PITI estimate: principal & interest, taxes, insurance, mortgage insurance and HOA, with amortization and extra-payment payoff.
Payment breakdown
Amortization (yearly)
How much home can you afford?
Three budgets from your income and debts: the conservative 28/36 rule, a moderate 43% DTI, and the aggressive end of what underwriting allows.
Where each budget comes from
Refinance break-even
Monthly savings, months to recoup closing costs, and the lifetime-interest comparison most calculators skip. Resetting to a new 30-year term can lower the payment while raising total interest.
Total cost comparison
Debt consolidation: blended rate and breathing room
Your mortgage, cards, car and other debts as one blended rate and one monthly number. Then the same picture if you keep your mortgage and add a second loan for the other debts, or roll everything into a cash-out refinance. Credit cards left blank run on the big-issuer minimum payment.
Side by side
If you keep paying today's amount
Same total payment as today, extra going to the highest rate first. This is the fastest honest path out of debt under each option.
Loan details
DSCR rental loan
Lender math: gross rent ÷ PITIA, qualifying on the lower of lease or market rent, with the interest-only variant and a max-loan solver at your target ratio. Investor cash flow shown separately: vacancy and management never enter the lender's ratio.
Lender qualification
Investor cash flow (not in the lender ratio)
Fix & flip analyzer
Loan sized as the lesser of loan-to-cost and loan-to-ARV with 100% rehab financed, Dutch or as-drawn interest, the full cost stack through resale, and the max offer worked backward from your target profit.
Loan sizing
Full cost stack
Maximum offer
Ground-up construction
New-build pro forma: land plus hard, soft and contingency costs, loan sized on LTC vs completed value, interest on average drawn balance, and a build-to-sell or build-to-rent exit.
Loan sizing
Project cost stack
Exit
Like what the numbers say? Let's pressure-test them.
Send me the deal and I will tell you the truth about what fits, even when that costs me the deal.