Calculators
Run the numbers before the decision gets emotional.
Use these estimates to prepare better questions for your lender, CPA, financial advisor, and real estate strategy call with Vishang.
How to use these numbers
Start with estimates you already know, then adjust one input at a time. For example, change the purchase price, down payment, or interest rate to see how sensitive a monthly payment can be. Bring the results to your lender or advisor for a real review.
Mortgage payment
Estimate a monthly housing payment
Use this to get a simple principal, interest, tax, insurance, and HOA estimate before speaking with a lender.
Estimated monthly payment
$7,498
Loan amount
$960,000
20.0% down
Principal + interest
$6,068
Estimated monthly taxes
$1,250
Insurance + HOA
$180
Affordability
Back into a possible purchase range
This estimates a rough price range from income, monthly debt, down payment, and a target debt-to-income ratio.
Rough purchase range
$1,121,234
Estimated loan support
$881,234
Max monthly housing budget
$7,000
Max total monthly debt
$7,800
36% DTI
Investment
Estimate cap rate
Cap rate compares net operating income to purchase price. It does not include financing, income taxes, appreciation, or future repairs.
Cap rate
4.85%
NOI
$46,080
Gross annual rent
$72,000
Operating expenses
$25,920
Rent vs buy
Compare rent cost and ownership upside
This simplified view compares rent paid over time against possible home value growth after estimated selling costs.
Rent paid over period
$386,188
Estimated future home value
$1,475,849
Estimated selling costs
$88,551
Potential value gain after sale costs
$187,298
How accurate are these calculators?
They are useful for early planning and comparing scenarios, but they are not exact quotes. The mortgage math uses standard amortization, so principal and interest can be close when the interest rate, loan amount, and term are correct. The full monthly payment can vary because taxes, insurance, HOA dues, mortgage insurance, lender fees, and escrow details may change.
Affordability, cap rate, and rent-vs-buy results are more sensitive to assumptions. Income rules, lender guidelines, vacancy, repairs, taxes, rent growth, appreciation, and selling costs can materially change the result. Treat these as conversation starters for Vishang, your lender, CPA, financial advisor, or property manager.