Skip to main content
MyCalculator.toMyCalculator.to

Real Estate & Housing

Browse all 8 real estate & housing tools

What is real estate calculators?

Real estate calculators work out the numbers behind buying, renting and letting property, from a monthly mortgage payment and the deposit you need, to the debt and coverage ratios a lender checks before approving a loan.

Down Payment Calculator

Calculate down payment needed and savings timeline. Compare 3%, 5%, 10%, 20% scenarios.

down payment calculatorhome down paymentsave for house
Open tool

DSCR Calculator

Calculate DSCR to see if your income covers debt payments for loan qualification.

dscr calculatordebt service coverage ratioloan qualification
Open tool

DTI Calculator

Calculate DTI ratio to see if you qualify for a mortgage based on your income and debts.

dti calculatordebt to incomemortgage qualification
Open tool

Home Equity Calculator

Calculate home equity, LTV ratio, and HELOC borrowing eligibility based on your home value.

home equity calculatorheloc calculatorequity percentage
Open tool

LTV Calculator

Calculate LTV ratio to determine PMI requirements, equity, and lending eligibility.

ltv calculatorloan to valuemortgage ltv
Open tool

Mortgage Calculator

Calculate monthly mortgage payments, total interest, and view amortization schedules with optional costs.

mortgage calculatorhome loanamortization
Open tool

Rent Affordability Calculator

Calculate max affordable rent using the 30% rule and 50/30/20 framework based on your income.

rent affordability calculatorhow much rent can i afford30 percent rule
Open tool

Rental Property ROI Calculator

Calculate cap rate, cash-on-cash return, NOI, and monthly cash flow for rental properties.

rental property roicap rate calculatorcash on cash return
Open tool

Formula & Methodology

💡

Did you know? Most US lenders apply the 28/36 rule: housing costs of no more than 28% of gross monthly income, and total debt payments of no more than 36%. The DTI Calculator on this page runs the same arithmetic an underwriter does.

Sources

  • Consumer Financial Protection Bureau (CFPB): Mortgage estimation and Loan Estimate disclosure rules
  • Federal Housing Finance Agency (FHFA): Conforming loan limits and loan-to-value standards

Frequently Asked Questions

Conventional loans commonly expect 5% to 20% of the purchase price. Putting down less than 20% usually means paying private mortgage insurance. Use the Down Payment Calculator to see the trade-off between a larger deposit and a higher monthly payment.

LTV is the loan amount divided by the property value. Below 80% avoids private mortgage insurance on most conventional loans, and lenders price their best rates at lower LTVs. The LTV Calculator works it out in both directions.

Debt service coverage ratio is net operating income divided by annual debt service. Most lenders look for 1.25 or higher, meaning the rent covers the mortgage with 25% to spare.

Compare the Rent Affordability Calculator against the Mortgage Calculator for the same monthly figure. Buying adds property tax, insurance and maintenance on top of the loan payment, so an equal monthly cost is not an equal total cost.