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THE MORTGAGE DOCK
Realtor Calc Suite
Prepared with
Eli Sanderlin
· NMLS #1983384
(305) 424-9005 · hello@themortgagedock.com
DSCR
Buyer Affordability
Investment ROI
Rent vs Buy
DSCR Calculator
Does the rent cover the loan? Investor deals qualify on the property's income — not the buyer's tax returns.
Purchase Price ($)
Down Payment (%)
Interest Rate (%)
Term (years)
Monthly Rent ($)
Annual Taxes ($)
Annual Insurance ($)
HOA / month ($)
Calculate DSCR →
Enter the deal and hit calculate.
You'll get the DSCR, cash flow, and the rent needed to qualify.
Buyer Affordability
Max purchase price from income, debts, and down payment — answer "what can my buyer afford?" on the spot.
Annual Income ($)
Monthly Debts ($)
Down Payment ($)
Interest Rate (%)
Term (years)
Max DTI (%)
43 — conservative
45 — typical
50 — aggressive
Property Tax (%/yr)
Annual Insurance ($)
HOA / month ($)
Calculate Max Price →
Income + debts in, max purchase price out.
Great for setting search filters before the first showing.
Investment Property ROI
Cap rate, cash-on-cash, and total first-year return — the numbers investors ask for first.
Purchase Price ($)
Down Payment (%)
Closing Costs (%)
Rehab Budget ($)
Interest Rate (%)
Term (years)
Monthly Rent ($)
Vacancy (%)
Annual Taxes ($)
Annual Insurance ($)
Management (%)
Maintenance (%)
HOA / month ($)
Appreciation (%/yr)
Calculate Returns →
Full first-year picture: cap rate, cash flow,
cash-on-cash, principal paydown, appreciation.
Rent vs Buy
The conversation-starter for fence-sitters: total cost of renting vs owning over time, with equity factored in.
Current Monthly Rent ($)
Rent Growth (%/yr)
Purchase Price ($)
Down Payment (%)
Interest Rate (%)
Term (years)
Closing Costs (%)
Property Tax (%/yr)
Annual Insurance ($)
Maintenance (%/yr)
Appreciation (%/yr)
Time Horizon (years)
Compare →
See the breakeven year and the net cost
of each path including equity built.