Real estate calculators

Run the numbers.
Understand the opportunity.

Estimate the monthly cost of a home or explore an investment property's cash flow, financing, mortgage paydown, and potential return.

Built for informed conversations

Use these estimates as a starting point. Shiraz can help you test the assumptions against current lending terms, rents, expenses, and local market conditions.

Choose a calculator

A clearer first look at affordability and return.

Hover, tap, or focus a help icon for a definition, accepted values, and an illustrative example.

Acquisition and financing

Start with the purchase and loan assumptions.

Purchase price Down payment Interest rate Amortization Closing costs Renovation / immediate improvements

Income and expenses

Use realistic rents, vacancy, and operating costs.

Monthly rent Other monthly income Vacancy / credit loss Annual rent growth Property-tax rate Annual property-tax growth Annual insurance Monthly HOA Management fee Maintenance Capital reserve Other monthly expenses Annual expense growth

Exit assumptions

Explore the effect of time, appreciation, and selling costs.

Holding period Annual appreciation Selling costs

Annual projection

See how the investment may change over time.

Projected results update with the assumptions above.

Year	Gross rent	NOI	Debt service	Cash flow	Principal paid	Loan balance	Property value

Planning estimate—not financial, tax, legal, lending, or investment advice.

Actual payments and investment results vary with lender terms, taxes, insurance, HOA assessments, repairs, vacancies, rents, market conditions, tax treatment, and sale timing. Estimates exclude mortgage insurance and income taxes. Confirm all figures with qualified professionals before making a decision.

Put the estimate in context

Numbers are the beginning.
Judgment shapes the decision.

Shiraz can help you compare the estimate with current market evidence, property-specific costs, and your priorities.

Call (650) 245-4915