Real Estate Calculators
Use these tools to estimate mortgage costs, rental returns, BRRRR metrics, and house-hack scenarios.
Mortgage Payment Calculator
Estimate monthly mortgage payment, including principal, interest, tax, and insurance.
Rental ROI Calculator
Estimate rental cash flow, cash-on-cash return, and annual income from a property.
Rent vs Buy Calculator
Compare renting versus buying by total housing cost over your chosen timeline.
BRRRR Calculator
Estimate recycled capital, equity created, and deal outcomes for a BRRRR scenario.
House Hack Calculator
Estimate how room rental income could offset your monthly housing payment.
DSCR Calculator
Calculate a rental property's debt service coverage ratio (DSCR) from rent and the full loan payment, and see the rent a 1.25 DSCR requires.
Cap Rate Calculator
Calculate a rental property's capitalization rate from rent, vacancy, and operating expenses, and see the value its income supports.
Mortgage Refinance Calculator
Compare your current mortgage with a refinance: new payment, monthly savings, break-even month, and the true lifetime cost including the term restart.
Fix and Flip Calculator
Run a fix-and-flip deal: 70% rule max offer, all-in project cost with financing and holding costs, expected profit, and return on cash invested.
Gross Rent Multiplier Calculator
Calculate a property's gross rent multiplier (GRM) from price and rent, see the rent a target GRM requires, and screen deals in seconds.
Short-Term Rental (Airbnb) Calculator
Estimate short-term rental revenue, operating expenses, NOI, and cap rate from nightly rate and occupancy — before you buy, not after.
Cost Segregation Calculator
Estimate Year-1 bonus depreciation and tax savings from a cost segregation study: land split, 5-year and 15-year buckets, and the with/without comparison. Free planning estimate, no sign-up.
Amortization Schedule Calculator
See the true cost of a loan: monthly payment, total interest, payoff milestones, and what a 15-year term or a 1-point rate move changes.
1031 Exchange Calculator
Compare a taxable sale against a 1031 exchange: depreciation recapture, capital gains, NIIT, and the deferred-tax side-by-side.
Depreciation Calculator
How rental depreciation actually works year by year: straight-line schedules, the mid-month convention, cost-seg reclassification with 100% bonus depreciation, and the ADS election. Free planning estimate, no sign-up.
Property Decision Guides
Use these guides to pressure-test rent, financing, expenses, and operating risk before trusting a deal spreadsheet.
Florida Rental Application Fraud: What HB 1293 Changed for Landlords
Florida HB 1293 (effective October 1, 2026) made fraudulent entry of a rental unit a third-degree felony and gave landlords a 7-day no-cure termination. What counts, what doesn't, and how to screen.
Keeping Your Old Home as a Rental? Fannie Mae Just Changed How the Rent Counts
From Nov 1, 2026, Fannie Mae lenders can't use a lease to document rent from a home you're leaving — they must use market rent (appraisal, Form 1007, or 3 comps), take 75% of it, and apply it only as an offset to that home's payment. How the math works, with examples.
Multifamily Loan Maturing Soon? Run the Refinance Math Before Your Lender Does
Around $757B of multifamily debt matures by 2028 into higher rates and higher expenses. A worked 12-unit example shows how NOI, the new rate, and a lower appraisal stack into a cash-in gap — and how to model each piece before your loan comes due.
Rental Property Cash Flow Before Making an Offer
Don't trust the listing pro forma. Verify rent, vacancy, repairs, taxes, insurance and true cash flow yourself before making an offer.
Rent vs Buy Break-Even Check
Compare rent, mortgage payment, upfront costs, time horizon, maintenance, and equity assumptions before buying.
BRRRR Capital Recycling Reality Check
Most BRRRR deals leave more cash in than investors expect. Stress-test rehab budget, refinance value and rent before you commit.
Rental Property Expenses Checklist
Build a complete rental-property expense estimate before using cash flow, cap rate, or cash-on-cash return to judge a deal.
Cap Rate vs Cash-on-Cash Return
Understand when to use cap rate, cash-on-cash return, and monthly cash flow when comparing rental properties and financing choices.
Rental Property DSCR Loan Readiness
DSCR lenders want coverage above 1.0-1.25x. Model your rental income and expenses first, then check whether your deal qualifies.
The 1% Rule for Rental Property
If monthly rent isn't 1% of the price, most deals fail the screen. Learn how to apply the 1% rule and when to break it.
Rental Property Cash Flow Formula
Cash flow = rent minus vacancy, operating expenses and debt service. See the full formula with a worked example and calculator.
House Hacking Expense Checklist
Estimate the real owner cost of house hacking after roommate or unit rent, vacancy, utilities, repairs, insurance, and mortgage expenses.
Mortgage Payment and PITI Explained
Understand principal, interest, property taxes, and homeowners insurance before comparing a quoted mortgage payment with the real monthly housing cost.
The 1031 Exchange, Explained: Rules, Timelines, and the 2026 Tax Picture
A 1031 exchange defers — not erases — capital gains tax on investment real estate. The 45-day identification rule, the 180-day closing window, how boot and depreciation recapture are taxed, and why pairing an exchange with cost segregation and 100% bonus depreciation is the 2026 power move.
Rental Property Depreciation: Rules, Schedules & 100% Bonus Guide
How rental property depreciation actually works: the land split, 27.5- and 39-year schedules, the mid-month convention, cost segregation with the permanently restored 100% bonus depreciation, the ADS election, and the 25% recapture waiting at sale — worked end to end on one $400,000 property.
Cost Segregation Study: How It Works, What It Costs & When It Pays
A cost segregation study reclassifies a building into 5-, 7-, and 15-year components so bonus depreciation lands in Year 1 instead of spread over 27.5 years. How an engineering-based study works, the $130,181.82 Year-1 worked example on a $400,000 basis, look-back studies on Form 3115, what a study costs, who should skip it, and the recapture waiting at sale.