Free Tools — No Account · No Credit Pull

Run Your Numbers Before You Call Anyone

Mortgage payment, affordability, DSCR, BRRRR, refinance break-even, closing costs — the tools homebuyers, homeowners, and investors actually need. All free. All built for real decisions.

Mortgage Payment & Affordability
DSCR Investor Calculator
Refinance Break-Even
Amortization & Payoff
Closing Costs & Net Proceeds
BRRRR Analyzer

All Calculators

Pick Your Calculator

Organized by who you are and what decision you're trying to make. Click any live tool to use it now — no setup, no login, no friction.

Home Buyers & Homeowners

What will my payment be? What can I afford? Is refinancing worth it?

Four calculators that answer every question a homebuyer or homeowner actually has — from first payment estimate through full amortization and refinance break-even.

●Live

Basic Mortgage Calculator

Full PITIA breakdown with tax, insurance, HOA, and PMI. Reverse affordability mode: enter income → get max home price. PMI drop-off month calculated automatically.

Monthly P&I, taxes, insurance, HOA & PMI
Affordability mode — income → max home price
PMI drop-off month by credit score tier
Down payment comparison across 3%–25%

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●Live

DSCR Calculator

Calculate your debt service coverage ratio, monthly PITIA, max loan at 1.0/1.10/1.25 DSCR, and cash-on-cash return — for both long-term and short-term (Airbnb / VRBO) rentals.

DSCR ratio and qualification status
Monthly P&I, taxes, insurance & HOA (PITIA)
Max loan at multiple DSCR thresholds
Cash-on-cash return — LTR and STR modes

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●Live

BRRRR Calculator

Model the full Buy-Rehab-Rent-Refinance-Repeat cycle. See how much equity you're pulling out, what the refinance looks like, and whether the deal recycles your capital effectively.

Purchase, rehab, and ARV inputs
Cash-out refinance at stabilized value
Capital recycled vs. left in the deal
Cash-on-cash return on remaining equity

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Real Estate Investors & Agents

Does this deal cash flow? What's my DSCR? What does the BRRRR look like?

Investor tools built around the decisions that matter — DSCR qualification, rental cash flow, deal analysis, and portfolio strategy. Long-term and short-term rental modes included.

●Live

DSCR Calculator

Calculate your debt service coverage ratio, monthly PITIA, max loan at 1.0/1.10/1.25 DSCR, and cash-on-cash return — for both long-term and short-term (Airbnb / VRBO) rentals.

DSCR ratio and qualification status
Monthly P&I, taxes, insurance & HOA (PITIA)
Max loan at multiple DSCR thresholds
Cash-on-cash return — LTR and STR modes

Open Calculator

●Live

BRRRR Calculator

Model the full Buy-Rehab-Rent-Refinance-Repeat cycle. See how much equity you're pulling out, what the refinance looks like, and whether the deal recycles your capital effectively.

Purchase, rehab, and ARV inputs
Cash-out refinance at stabilized value
Capital recycled vs. left in the deal
Cash-on-cash return on remaining equity

Open Calculator

Coming Soon

Rental Cash Flow & ROI

Deep cash flow analysis beyond DSCR — vacancy, property management, CapEx reserves, net operating income, cap rate, and total ROI on cash invested.

Gross and net operating income
Cap rate and cash-on-cash return
Full expense breakdown with reserves
LTR and STR income modes

Mortgage Professionals & Agents

Structuring deals, qualifying borrowers, comparing loan scenarios.

Tools for loan officers, Realtors, and financial advisors who need to model scenarios quickly and present real options to clients.

●Live

Basic Mortgage Calculator

Full PITIA breakdown with tax, insurance, HOA, and PMI. Reverse affordability mode: enter income → get max home price. PMI drop-off month calculated automatically.

Monthly P&I, taxes, insurance, HOA & PMI
Affordability mode — income → max home price
PMI drop-off month by credit score tier
Down payment comparison across 3%–25%

Open Calculator

Why These Are Free

Tools That Help You Make Better Decisions

We built these calculators for the same reason we answer the phone — because better-informed borrowers make better decisions, ask smarter questions, and ultimately get better loans.

No Account Required
Open any calculator and start using it immediately. No email, no password, no registration.
No Credit Pull
Running numbers in a calculator never affects your credit score. Use them as many times as you want.
Instant Results
Every calculator updates in real time as you adjust inputs. No submit button, no waiting.
Real Numbers Next
Calculators give you estimates. When you're ready for actual rates, qualification, and a real pre-approval — call us.