Affordability Calculator
Calculate maximum purchase price based on income, debts, and loan parameters.
Maximum Purchase Price
$0
Loan amount: $0
P&I Payment
$0
Principal + Interest
Total PITI + HOA
$0
All monthly costs
Debt-to-Income Ratios
⚠ Back-end DTI exceeds 43%. Consider reducing debts or increasing income to qualify for conventional financing.
Talking Points
Front-end DTI (housing only) should ideally stay below 28% of gross monthly income.
Back-end DTI (all debts) should stay below 43-45% for most conventional loans.
A higher down payment reduces the loan amount, eliminates PMI at 20%, and lowers your monthly payment.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Buy vs. Rent Analysis
Compare long-term wealth accumulation between buying and renting.
Buying Advantage
$0
Buying wins
Wealth Accumulation Over Time
Break-even: Yr —
Talking Points
Every month you rent, you're building your landlord's equity, not your own.
The break-even point is when cumulative buying costs equal cumulative renting costs — after that, buying wins.
Even in high-cost markets, ownership typically outperforms renting within 5-7 years.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Cost of Waiting
Show clients the real financial cost of delaying their home purchase.
Monthly Payment by Wait Time
3-Year Cost of Waiting Summary
Additional price paid (3-year wait):
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Additional monthly P&I (3-year wait):
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Extra lifetime interest (3-year wait):
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Talking Points
Every month of delay locks in higher prices if the market is appreciating.
Rising interest rates reduce buying power — a 1% rate hike on a $400k loan costs ~$250/mo more.
The best time to buy is when you're financially ready — not when you're trying to time the market.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Equity Growth Projector
Visualize equity accumulation and home value appreciation over time.
Talking Points
Equity growth accelerates over time as the mortgage amortizes and appreciation compounds.
Leverage amplifies returns: a 4% appreciation rate on a $500k home yields $20k equity on a $100k down payment — a 20% return.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Home Comparison
Compare up to 3 properties side-by-side with a visual radar chart.
Multi-Criteria Comparison
Talking Points
Price per square foot is the most objective comparison metric across different-sized homes.
Schools, commute, and lot size are non-financial factors that have massive impact on long-term satisfaction.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Net Proceeds Estimator
Calculate estimated seller net proceeds after all selling costs and deductions.
Estimated Net Proceeds
$0
Total selling costs: $0
Talking Points
Sellers are often surprised by how much comes off the top — commissions, title, and taxes add up fast.
Setting realistic net proceed expectations upfront prevents disappointment at the closing table.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.
Investment Cash Flow Analyzer
Analyze rental property returns: cap rate, cash-on-cash, DSCR, and year-by-year projections.
Cash-on-Cash
0.0%
Annual return
Cash Flow & Equity Over Time
| Year | Gross Rent | NOI | Debt Svc | Cash Flow | Home Value | Equity |
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Talking Points
Cash-on-cash return measures annual cash flow against the actual cash invested — the most investor-relevant metric.
Vacancy and maintenance reserves (typically 5% each) are the most overlooked expenses in pro formas.
Debt service coverage ratio (DSCR) above 1.25 is required by most lenders for investment property financing.
Real Estate Information Disclaimer: This tool is provided for informational and educational purposes only. It is not a substitute for professional real estate, legal, tax, or financial advice. Estimates and projections are illustrative and may not reflect actual market conditions or transaction costs. Licensed real estate professionals should verify all figures before sharing with clients.