🇺🇸 US Residents Only — Foreign national investors → Investor Calculator

Residential Mortgage Calculator

Calculate your purchasing power and PITI payment

This tool is for educational purposes only and does not constitute financial advice. Consult a licensed lender or financial advisor before making any financial decisions.

🏘️ Investment / Rental PropertyNon-owner-occupied: no homestead exemption (+25% property tax) and +0.625% rate premium

Annual Gross Income

$30K$500K

Monthly Debts

$0$5,000

Target Purchase Price

$100,000$2,000,000

Down Payment (%)

3.0%50.0%

Interest Rate (%)

4.000%14.000%

Purchasing Power$334,147

Monthly Payment$3,143/mo

Your Rate7.000%

Loan Amount$360,000

Down Payment$40,000

Cash to Close$50,562

⚠️

This scenario does not qualify — here is what you need to change:

💰Minimum Annual Income

$98K$8K/mo gross requiredCurrent: $85K/yr

💳Max Monthly Debts

$240Max other debt at current incomeCurrent: $500/mo

🏠Max Purchase Price

$334,147At your current income & debtsTarget: $400,000

Fix one or more of the above to qualify. Improving your FICO score also lowers your rate.

Principal · Interest · Tax · Insurance

Principal + Interest$2,456

Property Tax$367

Insurance$125

PMI$195

Total Monthly$3,143/mo

Front-End DTI41.6%

0%31%36%60%

Over Limit — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

Back-End DTI48.7%

0%38.25%45%60%

Over Limit — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

❌Does not qualify — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

LTV90.0%

Loan Amount$360K

Total Interest$524K

Down Payment10.0% — $40K

Closing Costs$11K

Cash to Close$51K

Ready to move forward?