Run your own numbers first.
Estimate what you can afford, what a refinance could save, or what a rental property needs to earn. No form before the answer.
Affordability
How much home fits your income, debts, and down payment.
Payment estimator
Full monthly payment with taxes, insurance, and HOA.
Refinance break-even
Compare payments and see when closing costs pay back.
DSCR ratio
Compare monthly rent with the property's PITIA.
Start with the monthly budget.
Compare a conservative 43% debt-to-income ceiling with a 50% stretch ceiling. Both estimates assume 20% down and a 30-year term.
This simplified estimate applies the available housing budget to principal and interest. Taxes, insurance, HOA, loan limits, credit, reserves, and program rules can reduce the amount available.
Estimates only, not a loan offer. Qualification and final terms require a complete application and underwriting review.
See the whole monthly payment.
Estimates only, not a loan offer. The rate and costs shown are values you entered, not a rate quote or promise. Actual payment and terms will vary.
See when the closing costs pay back.
Estimates only, not a loan offer. This simple comparison does not include changes in loan balance, term, interest paid, taxes, insurance, or opportunity cost.
Measure the property's rent coverage.
Debt service coverage ratio divides monthly rental income by PITIA: principal, interest, taxes, insurance, and association dues.
Estimates only, not a loan offer. Lender DSCR calculations, qualifying ratios, rent evidence, property expenses, and program requirements vary.
Ready for numbers based on you?
The calculators give you a starting point. We can show you the rate, monthly payment, and cash needed for your situation.