Affordability & Qualification
Comfort Calculator
Income → max qualifying price, comfort range, and total funds needed
FL Property Tax & Escrow Planner
Current bill · reassessment · homestead & portability · escrow impact
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Down Payment Analyzer
Compare down payment options — PMI tradeoff, breakeven, cash-to-close impact
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Closing Cost Estimator
Total cash to close — lender fees, prepaids, title, escrows by loan type
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Conv vs. FHA vs. VA
Side-by-side loan comparison — monthly payment, MI/MIP, cash to close, and total cost over time
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Loan Types Reference
Conv, FHA, VA, USDA — eligibility, DTI, down payment, credit, and MI rules
Strategy & Cost Analysis
Offer Scenario Calculator
Compare offer strategies, concessions, and payment outcomes in a shareable report
Rent vs. Own
Net monthly cost after tax benefit and equity — true long-term comparison
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Cost of Waiting
Buy now vs. wait — appreciation impact, down payment gap, break-even months
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Appreciation Calculator
Home value over 1–15 years, ROI on down payment, leverage framing
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Equity Growth Calculator
Appreciation equity + principal paydown — stacked view, ROI multiplier
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Bid Over Asking
True monthly cost of any premium — when does appreciation cover the overbid?
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MI Options Comparison
Monthly vs. LPMI vs. Split vs. Single Premium — cost and break-even
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Appraisal Gap Strategy
4-column: base loan, SPMI financed, buyer covers gap, gap + SPMI financed
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Move Up Buyer Strategy
Up to 4 products side-by-side — purchase, refi, zero out-of-pocket framing
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Seller Contribution Analyzer
4-column: no contribution, price break, permanent buydown, 2-1 temp buydown
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Scenario Comparison
Multiple loan scenarios side-by-side — payment, cash to close, total cost
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Mortgage Math
Rate & Points Comparison
4 rate options side-by-side — breakeven, net savings, temp buydown analysis
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Buydown Analyzer
Temporary rate buydown — escrow cost, year-by-year savings, seller concession sizing
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Paying Points: 3-Way
No points vs. rate buydown vs. apply to principal — winner by time horizon
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Blended Rate Calculator
Weighted average across all debts — entry point for debt consolidation conversation
Debt Consolidation Strategy
Refi or purchase mode — monthly savings, net worth warning, short/long-term tabs
Refi: Risk of Waiting
Refi now vs. wait for lower rate — interest overpaid, 5-year net comparison
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Break-Even Calculator
True break-even on a rate change or refi — accounting for all costs
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Amortization Calculator
Full schedule — monthly or yearly view, extra payment impact, printable
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Freedom Point Calculator
Extra payments → new payoff date, months saved, vs. investing the difference
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Cash vs. Mortgage
Should cash buyers finance? Net worth outcomes side by side
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Tax & After-Tax Rate Calculator
True cost after-tax + IRA/401(k) gross-up — for cash buyers and financial advisors
Partner Resources
Open House Payment Flyer
Branded 3-scenario payment flyer for any listing — leave-behind or digital
Jumbo Payment Flyer
Same as standard flyer — formatted and optimized for jumbo / high-balance loans
Referral Value Calculator
What consistent referrals are worth annually — production planning for partner meetings
Investment Analysis
Multi-Unit Investment Calculator
Cash vs. financing — cash flow, cash-on-cash return, and IRR
Cap Rate / NOI Solver
3-way solve: find cap rate, max price, or required rent + leverage check
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Investment Property IRR
Full IRR + cash-on-cash using PV, PMT, N, FV — the CMPS investor model
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Rule of 72
How long to double money — 4-rate comparison, real estate leverage framing
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Loan Operations
Market & Advisory
Rate Board (Client)
Current rate scenarios by loan type — shareable with buyers
Housing Market
Market pulse — inventory, days on market, list-to-sale ratios
Recession Tracker
Key recession indicators — yield curve, unemployment, leading indicators
Story Selling
Advisor conversation frameworks — turn data into client-ready narratives