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Mortgage & Investor Calculators

Run the numbers on a home purchase, refinance, rental, flip or sale before you call. Every result updates as you type.

🏠 New: Florida Amendment 3 property tax savings calculator →

Payment Estimator

What Will My Monthly Mortgage Payment Be?

Principal, interest, property taxes, insurance and HOA in one monthly number, for a purchase or a refinance.

Home Price Down Payment ($) Interest Rate (%) Loan Term Property Tax (yearly $) Home Insurance (yearly $) HOA / CDD (monthly $)

Estimated Monthly Payment

Example rate, not a quote. Mortgage insurance not included.

Loan Amount$0

Principal & Interest$0

Property Tax$0

Insurance$0

HOA / CDD$0

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DSCR Quick Analyzer

Does My Rental Cover the Payment?

A DSCR loan qualifies an investment property on its rent instead of your tax returns. The ratio is monthly rent divided by the full payment (PITIA). Many lenders look for 1.00 or higher. How DSCR loans work →

Monthly Gross Rent ($) Purchase Price ($) Down Payment (%) Interest Rate (%) Loan Term Property Tax (yearly $) Insurance (yearly $) HOA (monthly $)

DSCR Ratio

0.00×

Loan Amount$0

Principal & Interest$0

Full Payment (PITIA)$0

Rent Needed for 1.00×$0

Rent Needed for 1.25×$0

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Fix & Flip Analyzer

Does My Flip Pass the 75% ARV Rule?

Many flip lenders want your purchase price plus rehab at or under 75% of the after-repair value (ARV). This checks that, then estimates profit after holding and selling costs.

After Repair Value, ARV ($) Purchase Price ($) Rehab Estimate ($) Holding Period (months) Holding Cost (% of all-in / month) Selling Costs (% of ARV)

Estimated Profit

75% of ARV (max all-in)$0

Your All-In (price + rehab)$0

All-In as % of ARV0%

Holding Costs$0

Selling Costs$0

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Bank Statement Income Estimator

How Much Income Do My Bank Statements Show?

Self-employed? Bank statement loans can qualify you on 12 or 24 months of deposits instead of tax returns. Lenders apply an expense factor to business statements; the exact factor depends on the lender and your business.

Total Deposits Over the Period ($) Statement Period Expense Factor Other Monthly Debts ($) Interest Rate for Estimate (%)

Estimated Qualifying Monthly Income

Excludes transfers and non-business deposits a lender would back out.

Deposits Counted$0

Annual Qualifying Income$0

Max Housing Payment (43% DTI)$0

Est. Loan Amount (P&I only, 30 yr)$0

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Funding Gap Calculator

How Big Is My Funding Gap?

For investors: the difference between what a deal costs to close and what your primary loan plus your own cash will cover.

Purchase Price ($) Closing Costs ($) Primary Loan Amount ($) Your Available Cash ($)

Funding Gap

Total Needed to Close$0

Primary Loan Covers0%

Your Cash$0

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Seller Net Sheet

What Will I Net at Closing?

Selling, or assigning a contract? Subtract the payoffs and fees from the sale price to see what you walk away with.

Contract Sale Price ($) Mortgage Payoff / Liens ($) Agent Commission (%) Wholesale / Assignment Fee ($) Title & Closing Fees ($) Back Taxes / HOA ($) Other Deductions ($)

Estimated Net Proceeds

Your title company's settlement statement has the final figures.

Sale Price$0

Payoff / Liens$0

Commission$0

Assignment Fee$0

Title, Taxes & Other$0

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These calculators are for education only and are not a loan offer, rate quote, approval or commitment to lend. Rates, programs and guidelines change and depend on credit, property and underwriting. Raymond Rivera Jr., NMLS #2639249 · Mpire Financial Group LLC, NMLS #2108504 · Equal Housing Opportunity.