The math you need at the kitchen table: buydowns, investor returns, cash-to-close, and the renter-converter. Free for partner agents.
Free for partner agents — all four calculators, plus the buyer-referral rotation and 24-hour flyer service.
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| Period | Rate | Payment (P&I) | Monthly Savings |
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Buydown funds are typically a seller or builder concession held in escrow and applied monthly. Payment shown is principal & interest only. Buyer must qualify at the full note rate.
NOI = rent minus vacancy and operating expenses (before the mortgage). Cap rate = NOI \u00f7 price. Cash-on-cash = annual cash flow \u00f7 total cash invested. Total return adds year-one principal paydown. Estimates for analysis only.
Closing costs vary by lender, program, and county. Reserves may be required in addition. Get an exact Loan Estimate from Ronald in 24 hours.
Simplified comparison: equity = appreciation + principal paydown minus estimated selling costs. Excludes taxes, insurance, maintenance, and tax benefits. For the full picture, run the client through the Pro Calculator.