Rates shown are a starting point for the calculation, not a live quote. Your actual rate depends on credit, loan type, and lender. I'm happy to point you toward lenders who can get you a current, personalized number.
Taxes, insurance & fees Edit these to match your situation
Estimated Total Monthly Payment
$3,141
$405,000 loan · 30-year fixed at 7.40%
Principal & Interest$2,603
Property Tax$236
Home Insurance$133
PMI (under 20% down)$169
HOA Dues$0
Total Est. Payment$3,141
Default assumptions, all editable: property tax at 0.63% of the price per year, home insurance at about 0.35% of the price per year (updates with the price until you type your own), PMI at 0.5% of the loan per year when the down payment is under 20%, and no HOA. These are rough Idaho starting points, not quotes. FHA, VA and USDA loans handle mortgage insurance differently, and actual taxes depend on the property and any homeowner's exemption. A lender can run your exact numbers in a few minutes.
Property management, maintenance, and CapEx reserve are each modeled separately as a % of collected rent — the standard way investors break down operating costs. Investment loans typically carry a slightly higher rate than owner-occupied loans, which is why the default here runs a bit above the homebuyer tab.
DSCR — NOI ÷ annual debt service (1.0 = breakeven)
12.7
Gross Rent Multiplier — price ÷ annual gross rent
32%
Operating Expense Ratio — total OpEx ÷ effective income
80%
Loan-to-Value at purchase
0.66%
Rent ÷ Price — the "1% rule" screening test
$4,120
Est. equity from loan paydown, year 1
These are simplified estimates for screening a deal quickly — they exclude closing costs, appreciation, and property-specific risk factors. Cap rate and DSCR are calculated independent of your specific financing (except DSCR, which uses your modeled loan); cash-on-cash and year-1 paydown reflect your actual down payment and loan terms above. Run the real numbers with a lender and your own due diligence before making an offer.
Want help turning this into a real offer?
I can walk you through pre-approval, connect you with a local lender, and help you find homes — or investment properties — that actually fit these numbers.
