Tools

Mortgage Tools

Estimate your monthly payment, compare financing strategies, or look up local tax and insurance rates.

Estimated Monthly Payment
$2,846
Principal & Interest
$2,528
Property Tax
$521
Insurance
$125
Loan Amount
$400,000
Balance Over Time
Remaining Balance
Principal Paid
Interest Paid
Estimates are for informational purposes only. Actual payments may vary.

Cash-Out Refi vs. Second Mortgage

Compare refinancing your first mortgage against adding a second mortgage to access your equity.

Your Current First Mortgage
Your Existing Second Mortgage
Cash You Need
Option A — Cash-Out Refinance (New First Mortgage)
Option B — Keep First Mortgage + Add Second Mortgage
These estimates are for comparison purposes only. Actual rates, payments, and costs will vary. Contact me to run your real numbers.

DSCR Loan Calculator

See if your investment property's rental income qualifies for a DSCR loan — no personal income verification needed.

Property & Loan
Rental Income
Monthly Expenses
Your DSCR Ratio
1.25
Qualifies
Monthly P&I
$0
Monthly PITIA
$0
Effective Rent
$0
Monthly Cash Flow
$0
Loan Amount
$0
Annual Cash Flow
$0
Monthly Cash Flow Over Time
Net Cash Flow
PITIA Payment
Effective Rent
DSCR Quick Guide
1.25+ Strong — best rates & terms
1.0 – 1.24 Qualifies — standard DSCR programs
Below 1.0 Negative cash flow — limited options, higher rates
DSCR = Gross Rent ÷ PITIA. Lender requirements vary. Contact me to discuss your deal.

Property Tax & Insurance Lookup

Enter a zip code to get estimated property taxes and homeowners insurance rates for that area.

Ready to Get Started?

Fill out our quick form or apply directly through one of our lender portals.

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