Run your numbers.
Estimate your monthly mortgage payment or check whether a rental property covers its debt service — before you call us.
Estimate your monthly payment.
Sample rate · editable
This calculator shows your principal & interest (P&I) payment. Use the optional monthly fields to add taxes, insurance, and HOA for a full housing cost estimate.
The figure shown is a sample interest rate, not an APR. The estimated APR shown beside it includes financing costs (and estimated mortgage insurance when your down payment is under 20%), so it runs higher than the interest rate. Your actual rate and APR depend on credit score, loan type, down payment, and property use — we price every file at wholesale. This is an estimate, not a quote or an offer of credit. Call us for a real rate.
Get a real rateDoes your deal cash flow?
Sample rate · editable
DSCR = Monthly Gross Rent ÷ Total Monthly Debt Service
Debt service includes principal, interest, taxes, insurance, and HOA (PITIA). A ratio of 1.0x or higher qualifies with standard programs. Below 1.0x can still qualify with a higher down payment and stronger credit profile.
Best pricing across most programs — ideal ratio
Qualifies with standard programs at competitive rates
Qualifies — higher down payment and credit score required
Qualifies — larger down payment and stronger credit profile required
Need a human to review your deal?
A 15-minute call with us beats any calculator. We'll look at the actual deal and tell you exactly where it lands across our programs.
Talk to a broker