Real estate calculators

Run the numbers before you make the move.

Estimate the monthly cost of a property using clear assumptions for financing, taxes, insurance and other carrying costs.

Every calculator, one surface

Run any part of a deal — ownership cost, rental performance, renovation budget, resale outcome — with the same assumptions visible on screen.

Mortgage & Monthly Cost

Principal, interest, taxes, insurance, and every other recurring cost of owning the property.

Monthly Property Cost

Your assumptions

Purchase price

Down payment

Interest rate

Loan term

yrs

Property taxes / year

Homeowners insurance / year

HOA / condo fee / month

Mortgage insurance / month

Often applies under 20% down.

Other monthly property costs

Rental Property Calculator

Cash flow, cap rate, cash-on-cash return, and debt coverage for a long-term rental.

Rental Property Calculator

Your assumptions

Purchase price

Down payment

Interest rate

Loan term

yrs

Property taxes / year

Insurance / year

HOA / month

Closing costs

Gross rent / month

Vacancy allowance

Operating expenses / year

Repairs, management, utilities, reserves.

Rehab Estimator

Scope-by-scope renovation budget with contingency and per-square-foot context.

Rehab Estimator

Your assumptions

Finished square feet

Kitchen

Bathrooms

Flooring

Mechanicals (HVAC, electric, plumbing)

Roof and exterior

Windows and doors

Paint, trim, interior finish

Site, well, septic

Contingency

Rent Estimator

Adjust comparable rents for size, condition, and amenities to frame a realistic rent range.

Rent Estimator

Your assumptions

Average comparable rent / month

Average comparable square feet

Subject square feet

Condition adjustment

How much better the subject shows than the comps.

Amenity adjustment / month

Garage, view, in-unit laundry, outbuildings.

Utilities included / month

Range spread

BRRRR Calculator

Buy, rehab, rent, refinance, repeat — how much capital stays in the deal after the refinance.

BRRRR Calculator

Your assumptions

Purchase price

Rehab budget

Purchase closing costs

Holding costs during rehab

After-repair value

Refinance loan-to-value

Refinance rate

Refinance term

yrs

Refinance closing costs

Gross rent / month

Operating expenses / month

Taxes, insurance, management, reserves.

Fix & Flip Calculator

Total basis, resale costs, projected profit, and a disciplined maximum offer.

Fix & Flip Calculator

Your assumptions

Acquisition price

Rehab budget

Carrying costs

Purchase closing costs

After-repair value

Selling costs

Commissions, concessions, transfer taxes.

Short-Term Rental Calculator

Nightly rate, occupancy, and hosting costs against the carrying cost of the property.

Short-Term Rental Calculator

Your assumptions

Average nightly rate

Annual occupancy

Cleaning fee per stay

Average nights per stay

Cleaning cost per stay

Platform fee

Management fee

Supplies and utilities / month

Mortgage payment / month

Use the Mortgage & Monthly Cost tab for this figure.

Taxes and insurance / year

Sell vs. Keep Calculator

Net proceeds today against the projected position if the property is held and rented.

Sell vs. Keep Calculator

Your assumptions

Current market value

Mortgage balance

Selling costs

Rent if held / month

Operating expenses / month

Taxes, insurance, management, repairs.

Mortgage payment / month

Annual appreciation

Payment applied to principal

Hold period

yrs

Landlord Insurance Calculator

A planning-level premium range for a rental dwelling policy, built from coverage assumptions.

Landlord Insurance Calculator

Your assumptions

Dwelling replacement cost

Units

Base rate per $1,000 of coverage

Typical planning range is 0.35% to 0.80%.

Deductible

Liability limit

Higher limits add a modest amount of premium.

Monthly rent (loss-of-rent basis)

Claims in the last five years

Property age

yrs

Calculations are estimates for educational and planning purposes only. They are not a loan estimate, lending commitment, appraisal, tax opinion, insurance quote, investment guarantee, legal advice, or financial advice. Actual costs and financing terms vary.

What this estimate includes

Nothing is estimated behind the scenes.

Financing

Principal and interest are calculated from the amount financed, the interest rate, and the loan term you enter.

Carrying costs

Property taxes and homeowners insurance are entered annually and divided evenly across twelve months.

Recurring property costs

HOA or condo fees, mortgage insurance, and any other monthly property costs are added to the total as entered.

How the numbers move

Financing terms change the payment. Carrying costs change the reality.

Loan terms

Rate, term, and down payment set the loan payment. A shorter term raises the monthly figure while reducing total interest; a larger down payment lowers both the payment and, often, mortgage insurance.

Ongoing costs

Taxes, insurance, and association fees are not financed — they continue for as long as you own the property, and they change over time. In much of Upstate New York they are a meaningful share of the monthly total.

Review these numbers with Scott.

A calculator can estimate the payment. The property, financing, condition, taxes, insurance, association rules and long-term objective still need to be considered together.

Scott Alvarez · Realtor · New York Real Estate License #40AL1084992 · Coldwell Banker Prime Properties (NY) · Coldwell Banker Realty (FL) · Calculations are estimates for educational and planning purposes only. They are not a loan estimate, lending commitment, appraisal, tax opinion, insurance quote, investment guarantee, legal advice, or financial advice. Actual costs and financing terms vary.