Real estate calculators built by a landlord, not a bank.
For Home Buyers
Loan-specific calculators and affordability.
Core Calculators
The ten you'll use most often.
Mortgage
Standard PITI with full amortization.
Rental Property
Cash flow, cap rate, cash-on-cash, the 1% rule.
Cash Flow
Per-door cash flow with all reserves.
House Hack
FHA owner-occupied math.
Cap Rate
NOI ÷ price, with benchmarks.
Multifamily
Owner-occupied 2-4 unit + 5+ commercial.
Single-Family Investment
5-year projection w/ appreciation + IRR.
Rent vs Buy
Year-by-year w/ break-even.
BRRRR
Cash-out math + 75% rule check.
DSCR
Pass/fail commercial loan check.
Advanced Calculators
Tax, financing, and niche scenarios.
1031 Exchange
Defer capital gains via like-kind exchange.
Depreciation
27.5-year residential / 39-year commercial.
Cash-Out Refinance
Cash available + break-even on closing costs.
Rent-to-Income
Tenant screening: 30%/33%/40% threshold check.
Property Tax
Mill rates, exemptions, monthly impact.
Section 8 Rent
HAP + tenant portion + total rent received.
Seller Financing
Owner-financed loans with balloon.
Pro Forma
5-year projection w/ stabilization + exit cap.
Vacancy Rate
Cost of one extended turnover, annualized.
Operating Expense Ratio
OER w/ industry benchmarks.
70% Rule (MAO)
Flipper / wholesaler maximum offer.
GRM
Gross rent multiplier — quick deal compare.
Why this site exists
I run more than 200 rental units across New England. Most calculators online stop at the bank's basic math — payment, interest, term. Real landlord decisions need more: vacancy, maintenance reserves, the 1% rule, the 50% rule, cash-on-cash return. Every calculator here uses defaults pulled from my actual operating data — not made-up numbers from a content farm. Plug in your deal, see the truth in 30 seconds.
If a calculator helps you avoid a bad deal, forward it to one specific person who'd benefit. That's the whole game.