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Calculator

All Payment $458,511.57
Total Loan Amount $200,000.00
Total Interest Paid $186,511.57
Savings $0.00
Payment Amount $1,273.64
Shorten Loan Term By 0 years 0 months

Payment Breakdown

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$1,273.64 per month
Principal & Interest ($1,073.64)
Taxes ($100.00)
Insurance ($100.00)
HOA Dues ($0.00)
PMI ($0.00)
Extra Payment ($0.00)
Home Value: $200,000.00
Mortgage Amount: $200,000.00
Monthly Principal & Interest: $1,073.64
Monthly Extra Payment: $0.00
Monthly Property Tax: $100.00
Monthly Home Insurance: $100.00
Monthly PMI (Until August, 2036): $0.00
Monthly HOA Fees: $0.00

Early Payoff Strategy

ⓘ

Lump Sum Payment

ⓘ
Your monthly payment will decrease $618 per month.
Monthly Payment Decrease $ 618
Total Interest Difference -$ 403,724
Refinance Costs $ 1,000
Time to Recoup Fees 1.6 months

Monthly Payment Comparison

ⓘ
Current Loan $2,414
New Loan $1,795
Monthly Payment Difference -$618

Total Interest Comparison

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Current Loan Remaining Interest $466,916
New Loan Interest $63,192
Total Interest Difference -$403,724
Years 8 years
Year 8
Buy Gain $ 7,701
Buy $ 200,968
Rent $ 208,669

Results Summary

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Buying Renting
Cash Spent $390,098 $208,669
Home Value -$633,385 --
Balance on Loan $406,252 --
Closing costs on sale $38,003 --
Adjusted Net Cash Savings $200,968 $208,669
Rent $208,669
Buy $200,968

Out of Pocket Cost:

If you opt for homeownership of a property valued at $500,000...

Financial Gain:

After 8 years, if you choose to purchase...

Summary:

Based on the overall expenses incurred...

Cash Flow -$ 19,220.70
Cap Rate 3.20 %
Cash on Cash Return - 16.79 %
DSCR 0.71

Deal Breakdown

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Loan Amount: $400,000.00
Down Payment: $100,000.00
Mortgage Payment: $2,935.06
Monthly Payment: $3,518.39
Origination Fee Amount: $8,000.00

Deal Metrics

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Total Closing Costs: $14,500.00
Cash Needed to Close: $114,500.00
Price Per Unit: $500,000.00
Gross Rental Income: $30,000.00
Operating Expenses: $14,000.00
Net Operating Income: $16,000.00

Return Metrics

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Cash Flow: -$19,220.70
Cap Rate: 3.20%
Cash on Cash Return: -16.79%
DSCR: 0.71
Borrower Equity Needed $ 124,500
Net Profit $ 72,125
Return on Investment 43.61 %
Loan to After Repaired Value 63.33 %

Deal Breakdown

ⓘ
Loan Amount: $475,000.00
Down Payment: $100,000.00
Monthly Interest Payment: $3,958.33
Total Interest Over Term: $35,625.00
Origination Fee Amount: $9,500.00
Other Closing Costs Amount: $15,000.00
Cost To Sell Amount: $37,500.00

Deal Metrics

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Closing Costs: $24,500.00
Carrying Costs: $40,875.00
Borrower Equity Needed: $124,500.00
Total Cash In Deal: $165,375.00

Return Metrics

ⓘ
Net Profit: $72,125.00
Loan to After Repaired Value: 63.33%
ROI: 43.61%
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  • Disclaimer

Results estimated, not guaranteed

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. We do not guarantee the accuracy of any information or inputs by users of the software.

This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator.
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