Professional-grade financial tools to help you make informed decisions about mortgages, investments, and wealth building. All calculators include detailed PDF reports.
Calculate potential savings from refinancing your current mortgage. See your break-even point and total savings over the loan term.
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Compare interest-only payments to traditional mortgages. Perfect for real estate investors and short-term property holders.
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Determine whether renting or buying makes more financial sense for your situation. Includes equity buildup and tax benefits analysis.
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Calculate Debt Service Coverage Ratio for investment properties. Essential for qualifying for DSCR loans based on rental income.
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Compare your current debt structure to potential consolidation options. See how much you could save by consolidating high-interest debt.
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Plan your wealth building strategy over 10 years. Project savings, investments, and real estate equity growth with compound returns.
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Learn how cost segregation can accelerate depreciation and reduce your tax burden on investment properties. Request a consultation.
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View your complete loan amortization schedule. See how each payment breaks down between principal and interest over time.
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Estimate your potential tax savings from mortgage interest deductions and property tax deductions.
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Determine how much home you can afford based on your income, debts, and down payment.
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See how extra payments can reduce your loan term and save thousands in interest.
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Compare multiple loan scenarios side-by-side. Evaluate different rates, terms, and down payments.
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Calculate whether paying points to buy down your rate makes financial sense for your situation.
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Analyze the return on investment for temporary or permanent rate buydowns.
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"As a business owner, I was turned down by three banks. NS Funding got me approved in 3 weeks using my bank statements."
Michael R.
Restaurant Owner, NJ
"The DSCR loan process was seamless. No income docs, just the rental numbers. Closed on my 5th property in 21 days."
Sarah T.
Real Estate Investor, FL
"Professional, responsive, and they actually understand NON-QM lending. Best mortgage experience I've had."
David K.
Self-Employed, NY
Common questions about our mortgage calculators.
These calculations are estimates for educational purposes only and do not represent a loan offer or commitment. Actual rates, payments, and terms will vary based on your specific financial situation, credit profile, property details, and current market conditions.
Please contact a licensed loan officer at (800) 921-4858 for accurate, personalized quotes.
A rate lock guarantees your interest rate for a specific period (typically 30-60 days) while your loan is being processed. This protects you from rate increases during the application process.
Rates shown in calculators are not locked rates. To lock a rate, you must submit a complete loan application and receive approval from a lender.
Protect your rate while your loan is being processed
A rate lock is a guarantee from your lender that your interest rate will not change for a specified period, typically 30 to 60 days. This protects you from market fluctuations while your loan application is being processed and underwritten.
| Lock Period | Best For | Typical Cost |
|---|---|---|
| 15 days | Quick closings, refinances | Usually no extra cost |
| 30 days | Standard purchase transactions | Standard pricing |
| 45 days | New construction, complex loans | Slight rate increase (~0.125%) |
| 60 days | Extended closings | Higher rate increase (~0.25%) |
| 90+ days | New construction, special programs | Significant premium |
Ready to lock in your rate? Our loan officers can help you determine the best timing.
Call (800) 921-4858 to Lock Your RateOur comprehensive suite of mortgage and investment calculators provides accurate, real-time calculations to help you make informed financial decisions. Whether you're a first-time homebuyer, seasoned real estate investor, or looking to optimize your current mortgage, our tools deliver professional-grade analysis with detailed PDF reports.
Our calculators are designed for a wide range of users including first-time homebuyers evaluating rent vs buy decisions, real estate investors analyzing DSCR and interest-only options, homeowners considering refinancing to lower rates or consolidate debt, self-employed professionals planning wealth building strategies, and tax-conscious investors exploring cost segregation opportunities.
Simply select the calculator that matches your needs from the grid above. Enter your financial information, and receive instant results with detailed analysis. Each calculator includes the option to download a PDF report and connect with one of our mortgage specialists for personalized guidance. All your data is secure and confidential.
Loan approval is not guaranteed and depends on your specific financial situation and lender guidelines. Rates, terms, and program availability are subject to change without notice. This is not a commitment to lend. Equal Housing Opportunity.
NS Funding is a DBA of NorthStar Funding Inc. | Licensed in CA, CO, CT, DC, FL, GA, IL, MA, MD, NC, NH, NJ, NY, OH, OR, PA, SC, TX, VA