Resources

Real Estate Tools

Helpful calculators and resources to guide your real estate decisions.

📄 Lease Builder
Calculator

Mortgage Calculator

Estimate your monthly mortgage payment based on loan amount, interest rate, and term.

$
$
%
%
$
$
%
Monthly Payment $2,614 estimated total per month
Principal & Interest $2,094
Property Tax $333
Home Insurance $100
PMI $87
80% P&I
Loan Amount $320,000
Total Interest $434,018
Total Cost $754,018
Calculator

Rent vs. Buy

Compare the true long-term cost of renting versus owning — and find your break-even point.

🏠 Renting
$
%
$
🏡 Buying
$
$
$
%
%
$
$
$
%
%
📅 Time Horizon
🏡
Buying saves more over your time horizon
$48,200
🏠 Total Cost of Renting
$0
Rent payments —
Renter's insurance —
🏡 True Cost of Buying
$0
Mortgage payments —
Tax & insurance —
Maintenance —
HOA fees —
Home equity (value − balance) —
Selling costs (5%) —
Closing costs —
Break-Even Point
Year 7
Buying becomes cheaper than renting after this point
Cumulative Cost Over Time
Buying Renting
Calculator

Rent Affordability

Find your recommended maximum rent based on your income and expenses — and see how Ghaemi Estates properties compare.

💼 Your Income
$

Include all earners in your household

🧾 Monthly Obligations
$
$
$
💡 Savings Goal
$
25% Conservative $0 comfortable budget
30% Standard Rule $0 max rent recommended
40% Stretched $0 upper limit
Monthly Budget Breakdown
Gross monthly income $0
Est. taxes & deductions (~25%) −$0
Monthly debt obligations −$0
Savings target −$0
Remaining for living expenses $0
30% rule max rent $0
Enter a specific rent to check affordability
$
/mo
0% 25% 30% 40% 50%+
✅ This rent is within your 30% budget 24%
Calculator

Home Affordability

Find out how much home you can realistically afford based on your income, debts, and down payment.

💼 Your Income
$
💳 Monthly Debts
$
$
$
🏠 Loan Details
%
%
%
Maximum Home Price
$0
based on your income & debts
Conservative Standard Max
🟢 Conservative $0 28% front-end DTI
⭐ Standard $0 36% total DTI
🔴 Aggressive $0 43% total DTI
Est. Monthly Payment at $0
Principal & Interest $0
Property Tax $0
Home Insurance $0
PMI (down payment < 20%) $0
Total Housing Payment $0
Housing-to-income ratio 0%
Required Down Payment
$0
10% of standard home price  ·  closing costs ~$0 extra
Calculator

Rental ROI

Analyze a rental property's profitability — cap rate, cash-on-cash return, and monthly cash flow.

🏠 Property
$
$
$
💵 Rental Income
$
%
📋 Annual Expenses
$
$
$
%
$
🏦 Financing
%
📅 Hold Period
%
Cap Rate
0.0%
NOI ÷ purchase price
Cash-on-Cash
0.0%
annual cash flow ÷ cash invested
Gross Rent Mult.
0.0×
price ÷ annual gross rent
Monthly Cash Flow
$0
after all expenses & mortgage
Annual Cash Flow $0
Annual NOI $0
Total Cash Invested $0
📥 Monthly Income
Gross rent $0
Vacancy loss −$0
Effective rent $0
📤 Monthly Expenses
Mortgage P&I $0
Property tax $0
Insurance $0
Maintenance $0
Prop. management $0
HOA $0
Total expenses $0
Total Profit Over
10 Years
$0
Cumulative cash flow $0
Equity at sale (appreciated value − remaining loan) $0
Agent fees at sale (5%) −$0
Sale price $0
Remaining loan balance $0
Total cash invested (down + closing + rehab) $0
Total ROI 0%
Annualized ROI 0%
✅
Passes the 1% Rule
Rent is ≥ 1% of purchase price — a good indicator of positive cash flow
0.73%

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