Calculators
Know your number before anyone else does.
Three tools, real math, zero sign-up. Walk into any conversation, mine included, already knowing where you stand. Paso a paso.
Choose a calculator
№ 01
Mortgage calculator
PITI with PMI handled honestly. What a home actually costs, month by month.
Example · $400K home, 20% down
Run my payment№ 02
DSCR calculator
Rent over payment, the way a lender computes it, with a plain-language verdict.
Example · Milwaukee duplex
Run my ratio№ 03
BRRR calculator
The full cycle, with the cash-out refi as the moment that decides everything.
Example · Milwaukee BRRR
Run my BRRRThe premise
Every real estate decision is a math problem wearing an emotional disguise.
Strip the emotion out first. These three tools do the arithmetic a lender, an appraiser, or a hard-nosed investor would do anyway, so you walk in already knowing the answer.
Chapter One · The monthly number
Every buyer asks this question first.
What will I actually pay each month?
Not the number on the listing. The number that hits your account on the first of the month: principal, interest, taxes, insurance, and PMI if you're under 20% down.
“Taxes and insurance move this number more than the rate does.”Run my payment
Example
$2,679/mo
on a $400,000 home, 20% down, 7% rate
Chapter Two · The rental math
Lenders don't read pay stubs for this one.
Will the rent actually cover the loan?
A DSCR lender divides the rent by the full payment. Above 1.25 and the pricing gets good. Below 1.0 and you're subsidizing a tenant's address.
“1.25 is where the good terms live.”Run my ratio
Example
1.25×
$3,000 rent over a $2,400 payment. This one qualifies.
Chapter Three · The whole cycle
Buy, rehab, rent, refinance. Then do it again.
How much of my cash comes back out?
The refinance is the whole game. The new loan is priced at 75% of the after-repair value. When that covers what you put in, your capital is back and the next deal is already funded.
“The refi is the whole game.”Run my BRRR
Example
$204,000back out
on $205,000 invested. Nearly the whole deal, recycled.
Epilogue
Numbers are the easy part.
A conversation gets you the rest of the way, in English or Español. No pressure, no script.
Every number on this page is an estimate for planning, not a quote, a rate lock, or lending advice. reThought Real Estate is a brokerage, not a lender. When you are ready, we connect you with trusted lenders who can price your exact scenario.
