Calculators

Mortgage Payoff & Amortization

Compare your regular loan schedule with extra principal payments. See when the balance reaches zero and how each payment splits between principal and interest. Starting figures are examples.

Wholesale Deal Calculator

Compare an assignment with a double closing, then check whether the end buyer’s renovation and resale still work. Starting figures are examples; replace them with your deal terms and quotes.

Count each cost once. Your expenses and the end buyer’s costs are separate. Repairs below are performed by the end buyer after acquisition; your wholesale resale is as-is.

Room & Square Footage Planner

Choose a room type, then enter measurements—or switch to “I already know the square footage.” For L-shaped rooms, add two non-overlapping rectangles. Add a cutout to subtract space from the same floor and category.

Mortgage note purchase calculator

Estimate the price and scheduled return of buying a full, performing, fixed-rate mortgage note. Use verified note terms; this is not a property purchase calculator.

Monthly home payment

Principal and interest, plus estimated monthly tax, insurance and HOA.

How much money will I need at closing?

Cash to close means the money you still need to pay when you finish buying your home. It combines your down payment and upfront costs, then subtracts deposits and approved credits. This is separate from your monthly mortgage payment.

These starting numbers are an example. Replace them with your lender’s figures.

Your lender’s final Closing Disclosure gives the actual amount. This simplified planner does not include every possible transaction adjustment.

Next: estimate your monthly home payment →

Rental cash flow worksheet

Adjust the figures below. Blank costs count as $0, so fill in every expected expense before relying on the estimate.

Enter only principal and interest for the mortgage payment; property tax and insurance are separate above. Include leasing costs and expected large repairs in your allowances. Cap rate uses modeled income after operating costs before debt service and reserves. Cash-on-cash means annual cash left over divided by all your own cash invested: down payment, closing costs, initial repairs and starting reserves. NOI means income after operating costs, before mortgage payments and reserves.

This is a planning estimate before income taxes, leasing fees, large repairs and closing costs. Confirm rent, expenses, legal use and condition independently.

Renovation & flip calculator

Plan the full project, from purchase to resale. Enter your own quotes and estimates; blank costs count as $0.

Enter property and transfer taxes in their own fields. Other holding costs include insurance, utilities and HOA. Exclude taxes from buying, holding and selling costs when entered separately; count each tax once. Loan interest and upfront financing fees are entered separately; exclude them from buying costs to avoid duplication. Count each expense once. Repair categories should include both labor and materials.

Repairs including contingency

Total holding costs

Total project cost at entered resale price

Break-even resale price

Project ROI before income taxes

Project ROI is profit divided by total project cost, not a return on your down payment. Estimates do not predict market value, contractor pricing or financing approval. Financing principal is not a second project expense. This worksheet excludes income taxes.