Market Pulse
30Y Fixed6.82%+0.04|
15Y Fixed6.14%-0.02|
Fed Rate5.25%0.00|
CPI YoY3.2%-0.1|
Median Home$412K+1.2%|
Rental Yield5.8%+0.3%|
Cap Rate5.1%+0.2%|
Vacancy Rate6.4%-0.3%|
HPI Index312.4+2.1%|
DSCR Avg1.24+0.03|
30Y Fixed6.82%+0.04|
15Y Fixed6.14%-0.02|
Fed Rate5.25%0.00|
CPI YoY3.2%-0.1|
Median Home$412K+1.2%|
Rental Yield5.8%+0.3%|
Cap Rate5.1%+0.2%|
Vacancy Rate6.4%-0.3%|
HPI Index312.4+2.1%|
DSCR Avg1.24+0.03|

Tools

Mortgage Calculator

Real-time mortgage analysis with investment metrics. Adjust any slider to see instant results.

$400,000
$50K$2M
20% — $80,000
3%50%
6.82%
2%12%
$2,800
$500$10K
30 years

Monthly Payment

$2,090

Principal + Interest only

Loan Amount

$320,000

Total Interest

$432,553

Total Cost

$752,553

Monthly Cash Flow

$210

Investment Metrics

Cap Rate6.90%
Cash-on-Cash Return3.14%
Gross Rent Multiplier11.9x
Debt Coverage Ratio1.34

Cash Flow Signal

STRONG POSITIVE

$210/month after mortgage + expenses

How to Use This Mortgage Calculator

This mortgage calculator goes beyond simple payment math. Enter your purchase price, down payment percentage, interest rate, and loan term to get instant results. The rent slider adds investment analysis — showing you cash flow, cap rate, and cash-on-cash return simultaneously.

Understanding Your Mortgage Metrics

Monthly Payment covers principal and interest only. Budget an additional 1-2% of property value annually for taxes, insurance, and maintenance.

Cap Rate (Capitalization Rate) is the annual net operating income divided by the property value. A cap rate above 6% is generally considered acceptable for residential investment properties, though this varies significantly by market.

Cash-on-Cash Return measures the annual cash flow relative to your cash invested (down payment). Experienced investors typically target 8-12% or higher.

Debt Coverage Ratio (DCR) compares rental income to mortgage payments. Most lenders require a DCR of at least 1.25, meaning rental income must be 25% higher than the mortgage payment.