Mortgage Calculator & Other Formulas

Mortgage Calculator

Estimate your monthly payment based on loan amount, interest rate, down payment, and term.

Loan Amount—
Down Payment—
Monthly Payment (P&I)—
Total Interest Paid—

For Investors

Other Calculations

Gross Operating Income (GOI)

Potential rental income after accounting for expected vacancy, plus any other income the property generates.

Gross Operating Income—
Net Operating Income (NOI)

What the property actually clears after operating expenses, before debt service and taxes.

Net Operating Income—
Capitalization Rate

A quick measure of return based on income relative to property value — higher generally means more return, but often more risk.

Capitalization Rate—
Debt to Coverage Ratio (DCR)

How comfortably the property’s income covers its debt payments. Above 1.0 means the property covers its own debt.

Debt Coverage Ratio—
Return On Investment (ROI)

The overall percentage return on what you actually put into the deal.

Return on Investment—
Estimated Market Value

Backs into a property value using the income approach — useful for sanity-checking an asking price.

Estimated Market Value—
Estimated Net Operating Income (NOI)

A fast NOI estimate when you don’t have exact expense figures yet — just a gross income and a typical expense ratio.

Estimated NOI—
Rent to Cost Ratio (RCR)

Monthly rent as a percentage of purchase price — a fast filter many investors use (the "1% rule" and similar).

Rent to Cost Ratio—
Cash on Cash Return (CCR)

Return based only on the actual cash you put in, not the full property value — useful when financing is involved.

Cash on Cash Return—

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