Tools
17 free calculators for Miami real estate.
Everything you need to run the numbers on a deal — mortgage, affordability, refinance, FHA & VA, cap rate, closing costs and more. Every tool ends the same way: a one-click jump to the off-market homes that actually fit your budget, and a direct line to Ms. Meriam.
Buying & affordability
Figure out what you can buy.
Mortgage Calculator
Monthly payment with taxes, insurance, and HOA — plus cash-on-cash if you rent it out.
Open toolHouse Affordability
DTI-driven max and comfortable purchase price from your income, debts, and down payment.
Open toolDown Payment Calculator
Cash to close, loan amount, LTV, PMI, and a 3.5%–25% down comparison for any price.
Open toolDebt-to-Income Calculator
Front-end and back-end DTI against the limits lenders actually use to approve you.
Open toolRent vs. Buy
Total cost of renting vs. owning over your time horizon — equity, appreciation, and break-even.
Open toolFlorida Closing Costs
Buyer and seller closing costs for Miami-Dade: title, doc stamps, intangibles, recording.
Open toolLoans, rates & refinancing
Get the financing right.
Amortization Schedule
Year-by-year principal vs. interest, total interest, and the impact of extra payments.
Open toolMortgage Payoff
See how extra monthly or lump-sum payments cut years and interest off your loan.
Open toolRefinance Calculator
New payment vs. current, monthly savings, and exactly when you break even on costs.
Open toolAPR Calculator
The true yearly cost of a loan once points and lender fees are baked in.
Open toolFHA Loan Calculator
3.5% down with financed MIP — the full monthly payment for first-time buyers.
Open toolVA Mortgage Calculator
$0 down, no PMI, funding fee included. Built for veterans buying in South Florida.
Open toolInvestors & homeowners
Make the asset work.
Cap Rate & Cash-on-Cash
NOI, cap rate, cash-on-cash, DSCR, and break-even occupancy for Miami rentals.
Open toolARV & Flip Profit
Net profit, ROI, and an instant 70% rule check on purchase, rehab, and holding costs.
Open toolRent Affordability
How much rent fits your income — and what that same budget could buy instead.
Open toolHome Equity Loan
How much equity you can pull as a fixed second mortgage, and the monthly payment.
Open toolHELOC Calculator
Your available credit line, interest-only draw payment, and repayment after.
Open toolLive calculator