Estimate Your Financing Options
Plan with confidence by estimating your mortgage payment, purchasing power, and investment returns — then get a custom breakdown from David Thomas.
Affordability
How much house can I afford?
Combine your income, monthly debts, and program limits to see the price range you can comfortably support.
Open calculatorPayment
Full monthly payment breakdown
Principal & interest, taxes, insurance, HOA and PMI — the true cost of the home each month.
Open calculatorBuydown
Temporary and permanent rate buydowns
Compare a 2-1 or 3-2-1 temporary buydown against paying discount points for a permanent lower rate.
Open calculatorDSCR
Qualify on rental cash flow
Calculate the debt service coverage ratio investors are underwritten on — no tax returns required.
Open calculatorFix & Flip
Project profit and ROI
Model purchase, rehab, holding, and selling costs to see projected profit, ROI, and annualized return.
Open calculatorNet Proceeds
What you walk away with
Estimate seller closing costs, commissions, and payoffs to see your net cash at the closing table.
Open calculatorRefinance
Savings and break-even
Compare your current loan to a new one and see monthly savings plus how long to recoup closing costs.
Open calculatorRent vs Buy
Which is better over time?
Weigh rent increases against ownership costs, appreciation, and equity build-up over your time horizon.
Open calculator