What’s in the payment?
Principal and interest are calculated from the loan amount, rate, and term. Taxes, homeowners insurance, PMI, and HOA are added separately.
PITI + PMI + HOARun the numbers before you make the move.
Estimate a monthly home payment, pressure-test a fix-and-flip, or underwrite a long-term rental with the costs and returns that matter.
Built for North Carolina’s TriadUseful for buyers and investors comparing opportunities across Greensboro, Winston-Salem, High Point, and nearby communities.
Property details
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Mortgage assumptions
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Monthly ownership costs
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Affordability check
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When does PMI apply?
This estimate includes PMI when the down payment is below 20%. Actual pricing and cancellation rules depend on the loan program and lender.
Loan amount × PMI rate ÷ 12How is affordability read?
The housing ratio compares the payment to gross income. DTI adds other monthly debts. Lender thresholds vary by loan type and borrower profile.
Monthly debts ÷ gross incomeFlip assumptions
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Financing
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Transaction & holding costs
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70% rule
A quick acquisition screen, not a full underwriting model. It targets a purchase price at 70% of ARV after subtracting repairs.
MAO = ARV × 70% − rehabAll-in project cost
Purchase, rehab, buyer closing costs, lender points, simple interest, property carrying costs, and resale costs are all included.
Profit = ARV − all-in costBreak-even price
The estimated resale price where proceeds after selling costs equal every other project cost. Taxes on profit are not included.
Pre-sale cost ÷ (1 − selling cost %)Rental assumptions
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Income
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Operating expenses
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Net operating income
Effective rental income after vacancy and recurring operating expenses, but before mortgage payments and income taxes.
NOI = effective income − operating expensesCash-on-cash return
Annual pre-tax cash flow compared with the down payment, buyer closing costs, and initial repairs invested in the property.
Annual cash flow ÷ cash investedDebt service coverage
DSCR compares annual NOI with annual mortgage payments. A result above 1.00 means modeled NOI covers the modeled debt service.
DSCR = annual NOI ÷ annual debt servicePlanning estimate only—not a loan quote, appraisal, tax opinion, or investment recommendation. Actual rates, rents, vacancy, taxes, insurance, PMI, closing costs, repair overruns, reserves, financing draws, and resale proceeds vary. Verify figures with qualified local professionals before committing funds.