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Explore a monthly mortgage payment or estimate rental-property debt coverage. Change the assumptions to fit your scenario; these estimates are not a rate quote or approval.
Include the ongoing costs that matter to your budget.
ESTIMATED MONTHLY TOTAL
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Fixed-rate, fully amortizing loan. Taxes and insurance are entered estimates, not location-based quotes. Mortgage insurance is not calculated automatically; enter it if required. Excludes closing costs, prepaid items, maintenance, and utilities. Interest rate is not APR.
Compare monthly rent with estimated monthly housing debt costs.
ESTIMATED RENTAL DSCR
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Monthly rent ÷ monthly principal, interest, taxes, insurance, and HOA dues. This residential rental estimate uses a fully amortizing fixed-rate loan. It is not a net-operating-income calculation. Lender rent rules, required coverage, fees, and qualifying payments vary. A ratio of 1.00 means entered rent equals these costs; it does not mean approval or positive net cash flow.
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