Real Estate
35 calculators. Every one runs in your browser. Free, no account.
Tools in this group
- Loan-to-Value (LTV) - LTV percent and PMI-required flag from loan amount and appraised / purchase value.
- Debt-to-Income (DTI) - Front-end and back-end DTI vs FNMA / FHA / VA underwriting thresholds.
- PITI Mortgage Payment - Monthly P+I+T+I from principal, APR, term, and annual tax / insurance line items.
- IRC §1031 Exchange Timeline - 45-day identification and 180-day acquisition deadlines from the relinquished-property sale-close date.
- Home-Sale Capital-Gains Exclusion (§121) - Realized gain, $250k / $500k IRC §121 exclusion, and taxable gain.
- Property Tax Estimator - Annual and monthly property tax from assessed value, mill rate, and optional homestead exemption.
- Cap Rate and DSCR - NOI / value and NOI / annual debt service with common-practice bands.
- Cash-on-Cash Return - Annual pre-tax cash flow / cash invested with bands and payback-period years.
- Commission Split - Three-stage flow from sale price through total commission, side share, brokerage split, and flat fees to agent net.
- Full Amortization Schedule - Period-by-period payment / principal / interest / balance from loan amount, rate, and term.
- Cost of Waiting (Rate-Rise Scenario) - Side-by-side P&I and lifetime interest at today's rate vs a user-supplied future rate.
- Closing-Cost Estimator (CFPB Line Items) - Low, mid, and high closing-cost totals across the CFPB Closing Disclosure line items.
- Rental Income / Expense Worksheet (Schedule E) - IRS Schedule E (Form 1040) Part I worksheet.
- FHFA / FHA / VA Loan Limits by County - 2026 conforming one-unit loan limit (FHFA), FHA single-family limit (HUD), and VA full-entitlement note.
- HUD Fair Market Rents - FY2026 HUD Fair Market Rents (0BR / 1BR / 2BR / 3BR / 4BR) for representative HUD FMR Areas.
- Mortgage Discount-Point Break-Even - Monthly payment with and without points, monthly savings, total point cost, and the break-even month.
- Per-Diem Prorated Interest at Closing - Daily interest and prepaid interest from closing through end of month for the CFPB Closing Disclosure.
- Mortgage Reserves Requirement (Months PITI) - Required reserves (PITI x months) vs eligible liquid plus allowable retirement assets.
- Rent vs Buy NPV Comparison - Present-value cost of buying vs renting over a holding period, discounted at your investment return.
- Depreciation Recapture on Sale - Recaptured amount, the rate applied, the recapture tax.
- Rent Roll to Effective Gross Income - Vacancy/credit loss, effective gross income (EGI = potential rent x (1 - vacancy% - credit%) + other income).
- Gross Rent Multiplier - GRM (annual and monthly), the gross rent yield.
- PMI Cancellation / Termination - The month and balance at 80% LTV (borrower may request cancellation) and 78% LTV (automatic termination).
- Seller Net Proceeds Sheet - Estimated seller net proceeds, itemized selling costs, the property-tax proration.
- Debt Yield - Debt yield = NOI / loan, the lender return that ignores rate and amortization and often caps the loan in tight credit.
- Break-Even Occupancy - Break-even occupancy = (operating expenses + debt service) / potential gross income.
- Fix-and-Flip Maximum Offer (70% Rule) - Maximum allowable offer = ARV x 70% - repairs (minus any wholesale fee).
- Fix-and-Flip Profit and Return - What a flip nets and what it returns, after every cost of holding and selling.
- BRRRR Cash-Out Refinance and Capital Left In - How much cash a refinance hands back, and how much is still tied up in the deal.
- Rental Total Return (Four Components) - Total = cash flow + principal paydown + appreciation + depreciation tax shield.
- Net Effective Rent (Lease Concessions) - The rate a tenant actually pays after the free rent is buried.
- Required Face Rent from a Target Net Effective Rent - The face rent a landlord must quote to still net a target effective rate after concessions.
- Rentable/Usable Load Factor (BOMA) - Why rent per rentable SF understates the cost of the space you use.
- Blended Mortgage Rate (Two Loans) - The weighted cost of debt for keep-first-add-second vs refinance.
- Floor Area Ratio (Zoning) - The zoning intensity number a site's buildable size turns on.
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