Which Loan Calculator Should I Use?
Not all real estate deals are the same. Use the guide below to choose the right calculator based on your investment strategy — so you can estimate costs more accurately and plan with confidence.
Choose Your Investment Type
Review and select from one of the two below.
Fix & Flip | Short-Term Investment
Use: Principal & Interest Only Calculator
- Short holding period
- Focus on acquisition + rehab costs
- Taxes and insurance often handled separately
- Monthly payment is less relevant than total deal cost
Includes:
- Monthly loan payment (P&I only)
- Loan amount
- Interest rate
- Term length
Best for:
- Fix & flips
- Bridge loans
- Short-term holds
- Investors evaluating multiple deals quickly
Rental | Long-Term Hold
Use: Full Payment Calculator (Includes Taxes & Insurance)
- Long-term ownership
- Monthly cash flow matters
- Taxes and insurance impact real profitability
- More realistic monthly payment estimate
Includes:
- Principal & interest
- Estimated property taxes
- Estimated property insurance
Best for:
- Long-term planning
- Rental properties
- Buy-and-hold investors
- Cash flow analysis
Ready to Move Forward?
Once you’ve run your numbers, the next step is simple. Request a loan qualification letter to see what you may qualify for — fast.
KEMP Financial 