Mortgage Calculator
Use the calculators below to estimate your monthly payment, how much home you can afford, or how much you could save by refinancing. Then talk to Brad for real numbers.
Estimate only. Actual payment includes taxes, insurance, HOA, and possibly PMI.
Estimate only. Actual payment includes taxes, insurance, HOA, and possibly PMI.
Estimate only. Actual payment includes taxes, insurance, HOA, and possibly PMI.
| Gross STR Revenue | — |
| Operating Expenses | |
| Property Taxes | — |
| Insurance | — |
| HOA / Regime Fees | — |
| Utilities | — |
| STR Software | — |
| Guest Supplies | — |
| Maintenance Reserve | — |
| Net Operating Income | — |
| Mortgage P&I | — |
| Annual Cash Flow | — |
| Gross Rental Income | — |
| Deductions | |
| Mortgage Interest (Year 1) | — |
| Property Taxes | — |
| Insurance | — |
| HOA / Regime Fees | — |
| Utilities | — |
| STR Software | — |
| Guest Supplies | — |
| Maintenance / Repairs | — |
| Cost Segregation Study Fee | — |
| Depreciation (bonus + 39-yr) | — |
| Schedule E Net (paper loss) | — |
| Depreciable Basis (price − land) | — |
| Reclassified 5- & 15-Year Assets | — |
| Bonus Depreciation (Year 1) | — |
| 39-Year Structure (Year 1 portion) | — |
| Total Year 1 Depreciation | — |
| Cash to Close (down payment + closing costs) | — |
| Annual Cash Flow | — |
| Est. Federal Tax Savings | — |
| Year 1 Total Return (cash + tax) | — |
| Return on Total Invested | — |
| Cap Rate (NOI ÷ purchase price) | — |
| Year | Revenue | Cash Flow | Tax Savings | Property Value | Equity |
| Total Invested (cash to close) | — |
| 5-Year Cumulative Cash Flow | — |
| 5-Year Cumulative Tax Savings | — |
| Equity at Year 5 (appreciation + loan paydown) | — |
| 5-Year Total Return (cash + tax + equity gain) | — |
| 5-Year Return on Total Invested | — |
Send him this property and he'll build the actual financing structure — rate, program, and lender — to match it, and connect you with a CPA who knows STR tax strategy.
This tool is for informational and educational purposes only and does not constitute tax, legal, or financial advice. All cash flow, depreciation, and tax savings figures are estimates based on the inputs provided and standard cost segregation / bonus depreciation assumptions under the One Big Beautiful Bill Act (OBBBA) — actual results depend on a professional cost segregation study, your specific tax situation, and confirmation by a qualified CPA. Mortgage interest is estimated using a standard amortization schedule and may differ from actual lender figures. Material participation, the at-risk rules (IRC §465), and the 14-day personal use rule can all limit or eliminate the usability of Schedule E losses against ordinary income — see our full STR investing guide for details. Brad Payne NMLS #2366717 · Empire Home Loans NMLS #1839243 · Equal Housing Lender · Licensed in SC, GA & VA. Not a commitment to lend. All loans subject to underwriting approval.
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Brad will give you real rates — not estimates — based on your actual credit profile, income, and target property.