Calculators

Run the numbers before you make a move. Pick the calculator that fits you.

First-time buyer House hacking Buy and hold BRRRR

Enter your own interest rate in each calculator. Use your lender's quote, since your rate depends on your credit, down payment and loan type. Average rates change every week, and you can check the latest at Freddie Mac. Investment property loans usually cost more than the average.

Home payment calculator

For first-time buyers. See your estimated monthly payment and how much cash you need to close.

Your numbers

Home price ($)

Down payment (%)

Interest rate (%)

Loan term

Property tax (% of price per year)

Home insurance ($ per year)

Mortgage insurance (% of loan per year)

HOA ($ per month)

Closing costs (% of price)

-Estimated monthly payment

Principal and interest: -
Property taxes: -
Home insurance: -
Mortgage insurance (under 20% down): -
HOA: -
Loan amount: -
Cash needed to close: -
Income to keep housing at 28%: -

Want help with the numbers? Let's talk

House hacking calculator

Live in one unit and rent the rest. See what your housing costs after the tenants pay their share.

Your numbers

Purchase price ($)

Down payment (%)

Interest rate (%)

Loan term

Rent from the other units ($ per month)

Vacancy (% of rent)

Property tax ($ per year)

Insurance ($ per year)

Mortgage insurance (% of loan per year)

Repairs and maintenance ($ per month)

Utilities you pay for the property ($ per month)

Property management (% of rent)

Closing costs (% of price)

-Your monthly housing cost after rent

Total monthly cost of the property: -
Rent collected after vacancy: -
Share of cost covered by rent: -
Mortgage payment (P&I): -
Rent needed to cover everything: -
Loan amount: -
Cash needed to close: -

Owner-occupied loans usually require you to live in the property, often for at least a year. Loan rules for 2 to 4 unit homes differ, so ask your lender.

Want help with the numbers? Let's talk

Buy and hold calculator

For rental investors. See monthly cash flow, cap rate, and cash-on-cash return.

Your numbers

Purchase price ($)

Down payment (%)

Interest rate (%)

Loan term

Monthly rent ($)

Vacancy (% of rent)

Property tax ($ per year)

Insurance ($ per year)

Repairs and maintenance (% of rent)

Property management (% of rent)

Closing costs (% of price)

Upfront repairs ($)

-Monthly cash flow after the mortgage

Cash flow per year: -
Cap rate: -
Cash-on-cash return: -
Total cash invested: -
Mortgage payment (P&I): -
Net operating income per year: -
Debt service coverage (DSCR): -

Enter 8 to 10 for property management if you plan to hire a manager.

Want help with the numbers? Let's talk

BRRRR calculator

See your cash left in the deal after the refinance, plus cash flow and equity. The sample numbers are only a starting point.

Your numbers

Purchase price ($)

Rehab cost ($)

Closing and holding costs ($)

After repair value ($)

Refinance loan (% of value)

Refinance rate (%)

Loan term

Refinance closing costs (% of loan)

Monthly rent ($)

Vacancy (% of rent)

Property tax ($ per year)

Insurance ($ per year)

Repairs and maintenance (% of rent)

Property management (% of rent)

-Cash left in the deal

Total cost to buy and rehab: -
Refinance loan: -
Refinance closing costs: -
Mortgage payment (P&I): -
Monthly cash flow: -
Cash-on-cash return: -
Equity after refinance: -
Value you created (ARV minus cost): -
Debt service coverage (DSCR): -

Lenders often lend up to about 75% of appraised value on a rental, and may require a waiting period before a cash-out refinance. Ask your lender.

Want help with the numbers? Let's talk

These calculators give estimates only. They are not financial advice or a loan offer. Taxes, insurance and mortgage insurance vary by property and lender, and your actual rate depends on your credit, down payment and loan type. Talk to a lender about your own situation.