Underwrite
Investment property payment calculator
Landlords need the payment that hits cash flow - not a purchase-journey mortgage funnel. Enter loan amount (or price + down %), rate, and term; get monthly PI and annual debt service you can drop into DSCR and cash-flow pages. We deliberately avoid ranking for naked "mortgage calculator" head terms.
Assumptions
Returns stack
- Loan amount
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- Monthly PI
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- Annual debt service
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When to use
Stress-testing rate bumps on a rental underwrite; feeding DSCR; comparing 15- vs 30-year drag on CoC.
When not to
Taxes and insurance escrow (PITI) are separate unless you add them. And investor overlays differ from owner-occupied quotes - this is not a rate lock.
Assumptions: Standard amortizing PI: M = P × r(1+r)^n / ((1+r)^n − 1). Optional IO mode available. Not a loan offer, rate lock, or credit check.
Worked examples
Input
Loan $240,000 7% · 30-year
Output
Monthly PI + annual debt service
Baseline payment for cash flow and DSCR inputs.
Input
Same principal · 8%
Output
Payment jump and cash-flow hit
Rate sensitivity - run +1% before you assume today's quote forever.
Common traps
- Taxes/insurance escrow (PITI) are separate unless you add them.
- Investor overlays and DSCR products differ from owner-occupied quotes.
- Not a loan offer, rate lock, or credit check.