Calculators
Run the numbers before anyone asks for a document.
Eight calculators, each on its own page so you can send someone a link to the one that matters. Nothing you type is stored or sent.
What can I afford?
Start from what comes in and what already goes out, and work backwards to a price you could carry without dreading the first of the month.
Open itWhat is the monthly payment?
The whole payment, not just the loan part: principal, interest, property tax, insurance and mortgage insurance if you are putting less than twenty percent down.
Open itIs refinancing worth it?
What a new rate or a new term does to the monthly payment, and how many months it takes for the saving to cover the cost of doing it.
Open itShould I keep renting?
The long-run cost of renting against the long-run cost of owning, with the equity you build along the way counted properly.
Open itVA purchase
A no-money-down VA purchase with the funding fee worked in, so the monthly number you see is the real one.
Open itVA refinance
A streamline or cash-out VA refinance, with the fee and the new payment side by side against what you pay now.
Open itWill the rental carry itself?
The debt service coverage ratio: whether the rent covers the payment by enough for a lender to qualify the property on its own income.
Open itWhat is left after the flip?
Purchase, rehab, holding and selling costs against the resale price, so you can see the profit before you commit to the project.
Open it
Every calculator on this site produces an estimate from the assumptions you type in. None of them is a quote, an offer, or a prediction of what you will qualify for. A real number needs a full look at your income, credit and the property.
Got a number and want to know if it is realistic?
Send it over. We will tell you what an underwriter would say about it, which is usually the bit the calculator cannot.
Or call(503) 555-0175and ask for whoever is free.
