Real estate Calculators

Find out how much house you can afford. Free mortgage calculator with taxes, insurance, and HOA fees. Get your buying power estimate now!

Calculate tax deferral benefits for 1031 like-kind exchanges with detailed boot analysis, deadline tracking, and property comparison tools for investment real estate.

Calculate Airbnb hosting profit with complete revenue and expense tracking. Analyze occupancy rates (40-75%), Airbnb fees (3% host + 14% guest), operating costs, and ROI. Get profit margin benchmarks (20-35% mortgaged, 40-60% owned) with detailed financial projections.

Calculate Austin TX property taxes based on appraised value and tax rates for 2025. Includes Travis, Williamson, and Hays county rates with homestead exemptions. Get accurate annual tax estimates and compare neighborhoods with school district breakdowns.

Estimate bathroom renovation costs for 2025 with material, labor, and fixture breakdowns. Calculate budget for small, medium, or luxury remodels. Compare DIY vs contractor pricing. Get ROI analysis and cost-per-square-foot estimates for master bath, guest bath, and powder room upgrades.

Free bridge loan calculator for home buyers. Calculate bridge financing costs, interest-only vs amortized payments, and total costs with 10-13% APR. Compare bridge mortgage options, qualification requirements, and 6-12 month financing scenarios.

Calculate BRRRR strategy returns - Buy, Rehab, Rent, Refinance, Repeat. Estimate cash-on-cash return, equity capture, and infinite ROI. Analyze renovation costs, ARV (After Repair Value), cash-out refinance proceeds, and rental cash flow. Plan real estate investment scaling with repeatable equity extraction in 2025.

Calculate BRRRR strategy returns: Buy, Rehab, Rent, Refinance, Repeat. Estimate purchase price, rehab costs (15-30% of ARV), rental income, cash-out refinance at 75% ARV, cash recycling, infinite ROI potential, and total portfolio scaling for 2025 real estate investing.

Calculate cash-on-cash (CoC) return for real estate investments: Annual Pre-Tax Cash Flow ÷ Total Cash Invested × 100. Input property price, down payment (20-25%), closing costs (2-5%), renovation budget, monthly rental income, operating expenses (30-50% of rent), mortgage details to instantly see CoC%, annual cash flow, ROI comparison vs cap rate and IRR, break-even analysis, and 5-year cash flow projection. Good CoC: 8-12% (conservative), 12-15% (value-add), 15%+ (aggressive/BRRRR). Essential for rental property analysis, fix-and-flip evaluation, and syndication underwriting.

Calculate commercial property rent for office, retail, industrial, and warehouse spaces. Estimate monthly and annual rent per square foot with NNN (triple net), modified gross, and full-service lease structures. Compare CAM charges, property taxes, insurance, and operating expenses. Get market rates and tenant cost projections for 2025.

Free cost segregation calculator for commercial real estate. Calculate accelerated depreciation tax savings with 2025 bonus rates (40%). Reclassify 39-year property to 5/7/15-year classes. ROI analysis for engineering studies.

Calculate divorce home buyout amount and refinance requirements. Estimate equity split (50/50 or per agreement), buyout cost, refinance qualification (debt-to-income, credit score), closing costs, tax implications, and cash-out refinance vs separate financing for 2025.

Comprehensive down payment assistance (DPA) calculator matching first-time homebuyers with 2,500+ federal, state, and local assistance programs in 2025. Calculate exact DPA eligibility based on income limits (80-120% Area Median Income thresholds), credit score requirements (580-740 ranges across FHA/VA/Conventional programs), home price caps (FHA loan limits $498,257 standard areas, $1,149,825 high-cost markets like LA/SF/NYC), and first-time buyer status (defined as no home ownership in past 3 years, with veteran/teacher/first responder exceptions). Model 6 major assistance program types: (1) Grants - free money requiring no repayment ($2,500-$15,000 typical, up to $150,000 California CalHFA Dream For All 20% grants), forgiven after 3-5 years primary residence occupancy with pro-rated repayment if leaving early (example: $10k grant with 5-year requirement, leave year 3 = repay $4k remaining). (2) Forgivable Loans - loans forgiven incrementally over 5-10 years (example: $15k loan forgiven at 1/5 = $3k per year, $0 balance after 5 years, early sale year 3 = repay $6k remaining balance). (3) Deferred Payment Loans - 0% interest second mortgages due only when selling/refinancing/paying off first mortgage with no monthly payments (example: Chicago CityKey $12k deferred loan, sell after 7 years for $50k profit = repay $12k from sale proceeds). (4) Low-Interest Second Mortgages - 1-3% rate loans vs market 7-8% (example: $10k at 2% over 10 years = $92/month payment). (5) Matched Savings (IDA) - government matches your savings 2:1 or 4:1 after 6-18 months disciplined saving. (6) Employer Assistance Programs - corporate relocation packages or workforce housing initiatives ($5-25k, often requiring 2-5 year service commitment). Calculate FHA loan combinations - pair 3.5% down FHA loan with state/local DPA grants to cover entire down payment (example: $250k home with 3.5% = $8,750 down, use $8k state grant + $750 cash + $6k seller concessions for closing costs = $750 total out-of-pocket plus $3k closing costs after concessions). VA loan zero-down stacking - combine 0% down VA benefit with DPA grants for closing costs (example: $300k VA purchase, $0 down required, use $5k DPA grant + $4k seller concession to cover $6k closing costs = theoretically $0 out of pocket, though most lenders require $1-2k reserves). Analyze DTI qualification - front-end housing ratio ≤28% of gross monthly income, back-end total debt ratio ≤36-45% depending on compensating factors (higher credit scores, larger down payments, cash reserves allow DTI up to 50% in some programs). Calculate savings timeline - determine months to save additional down payment needed based on monthly savings capacity (example: need $15k down payment, have $5k saved, save $500/month = 20 months to goal, or apply for $10k DPA grant to reduce timeline to immediate). Model combined program stacking - layer multiple assistance sources from different agencies (example: Texas first-time buyer stacks $10k state grant + $5k county program + 3% seller concession on $250k home = $17.5k total assistance covering 7% down payment, buyer needs only 3% = $7.5k cash). Average DPA recipient profile (2025): $17,766 assistance amount nationally, 89% first-time buyers, 68% use FHA loans, 47% household income $50-80k range, 72% credit scores 640-740, 83% purchase price $200-400k.

Calculate Debt Service Coverage Ratio (DSCR) for investment property loans. Determine if rental income covers mortgage payments. DSCR = NOI ÷ Annual Debt Service. Lenders require 1.20-1.25+ DSCR. Estimate max loan amount based on cash flow, qualification without personal income, and 2025 DSCR loan rates.

Calculate affordability and costs for first-time home buyers in 2025. Estimate down payment requirements (3-20%), closing costs (2-5%), monthly payments with PMI, and total cash needed. Compare FHA, conventional, VA, and USDA loan options. Includes first-time buyer programs, down payment assistance eligibility, and debt-to-income ratio analysis.

Calculate Gross Rent Multiplier (GRM) for rental property valuation. Determine fair market value using annual rent, compare GRM across properties (4-15 typical range), evaluate investment opportunities, analyze market trends by location, and estimate property value for 2025.

Calculate hard money loan costs, payments, and fix-and-flip ROI. Analyzes loan terms (9-15% interest, 2-5 points, 6-24 months), LTV/LTC ratios (65-75%), monthly carrying costs, total loan cost including fees, project profitability, and annualized ROI. Compares multiple lenders and scenarios for real estate investment financing.

Calculate HELOC payments for draw period (interest-only) and repayment period (principal + interest) with payment shock analysis. Includes credit limit calculator (80-90% CLTV), combined LTV ratio, amortization schedules, closing costs, and interest rate scenarios for home equity lines of credit in 2025.

Calculate raw land and lot loan payments with higher down payment requirements (20-50%), elevated interest rates (+1-2% above mortgages), and shorter terms (15-20 years). Compare improved vs unimproved land financing costs, total interest paid, and monthly payment obligations for acreage purchases in 2025.

Calculate IRC Section 1031 like-kind exchange tax deferral with boot analysis, adjusted basis tracking, depreciation recapture deferral, and replacement property requirements. Includes 45-day identification rules, 180-day closing deadlines, and qualified intermediary cost calculations for real estate exchanges in 2025.

Calculate rent vs buy decision for NYC real estate. Compare 5-year/10-year total costs, analyze monthly rent ($2,500-6,000+) vs mortgage payments, property taxes (1.925% NYC avg), co-op/condo fees ($500-1,500/mo), mansion tax (1-3.9%), broker fees (15% annual rent), opportunity cost analysis, break-even timeline (7-10 years NYC avg), and equity buildup potential for 2025 Manhattan/Brooklyn/Queens markets.

Calculate seller-financed real estate deals with amortization schedules, balloon payments, and total interest costs. Compare buyer vs seller scenarios, analyze cash flow timing, tax implications, and risk assessment for owner-carry financing transactions in 2025.

Calculate rent-to-price ratio to evaluate whether buying or renting is more cost-effective.

Calculate Debt Service Coverage Ratio for real estate investments and commercial loans. Determine if your property income covers debt payments.

Calculate cash-on-cash return, cap rate, and total ROI for rental property investments. Analyze income, expenses, and financing.

Calculate capitalization rate, property value, and NOI for real estate investments. Compare against market benchmarks by property type.