This page is for buyers, homeowners, landlords, and investors comparing the true cost of property decisions. Use these calculators to break down mortgage payments, affordability, refinance math, rental returns, and property-tax-adjacent tradeoffs before you commit.
DTI is the primary number lenders use to approve mortgages. Contractors get flagged because lenders use 2-year net income, not gross revenue. See your front-end and back-end DTI, loan qualification status, and exactly how much debt to pay off or income to add to qualify.
Ξ£ Shows workEvaluate rental property deals with cap rate, cash-on-cash return, monthly cash flow, the 1% rule check, and a 10-year equity projection. Full mortgage payment and operating expense breakdown included.
Ξ£ Shows workCalculate monthly payments, total interest, and full amortization schedule
Ξ£ Shows workFind out how much house you can afford based on income, debts, and down payment.
Ξ£ Shows workAnalyze a rental property investment β cash flow, cap rate, and return on investment.
Ξ£ Shows workShould you rent or buy? See the true break-even timeline, total costs over 5β30 years, and which option wins given your market and lifestyle β with the math shown.
Ξ£ Shows workCalculate the real ROI of a rental property: monthly cash flow, cap rate, cash-on-cash return, gross rent multiplier. Includes 3% and 5% appreciation scenarios with 5/10/30-year equity projections and a full monthly expense breakdown.
Ξ£ Shows workShould you refinance? Calculate your break-even point, monthly payment savings, and lifetime interest saved vs. your current loan β with a year-by-year amortization comparison.
Ξ£ Shows work