Free Miami Mortgage Calculators
Run the numbers before the phone call.
Three calculators built on the same math lenders use — no signup, no email, instant answers. When you're ready for a real rate, I'm a call away.
Choose a calculator
Mortgage Payment
Full monthly payment — principal, interest, taxes, insurance, PMI, and HOA — with a year-by-year amortization schedule.
Open calculator →Home Affordability
How much house can you afford? Enter income and debts; we solve for the max home price using real lender DTI ratios.
Open calculator →Should I Refinance?
Compare your current loan vs a new one. See monthly savings, breakeven month, and lifetime savings after closing costs.
Open calculator →Fix-and-Flip Deal Analyzer
For investors: enter purchase, rehab, ARV, and your loan quote to see profit, cash needed, ROI, and a 70%-rule max offer.
Open analyzer →DSCR Rental Calculator
Investors: does the rent cover the payment? See your debt-service coverage ratio, cash flow, and break-even rent, then send the deal to Reinier.
Open calculator →Pre-Qualification Quiz
2-minute quiz. See which loan programs fit your profile (FHA, VA, Conventional, Jumbo, Non-QM) plus a market-based monthly payment estimate. No credit pull.
Start the quiz →Property Lookup
Type any Miami-Dade address. Pull real appraiser data — assessed value, taxes, square footage — then auto-fill the mortgage calculator with accurate tax and insurance estimates.
Look up an address →These calculators use the same amortization and DTI math your lender uses. They're accurate for planning — your actual rate, PMI, and approval depend on credit, property, and program. When you want the real numbers, reach out.