🇺🇸 US Residents Only — Foreign national investors → Investor Calculator

Calculadora Hipotecaria Residencial

Calcula tu poder adquisitivo y pago PITI

Esta herramienta es solo para fines educativos y no constituye asesoramiento financiero. Consulta con un prestamista o asesor financiero certificado antes de tomar decisiones financieras.

🏘️ Propiedad de Inversión / RentaNo habitada por el dueño: sin exención homestead (+25% impuesto predial) y prima de tasa +0.625%

Ingreso Bruto Anual

$30K$500K

Deudas Mensuales

$0$5,000

Precio Objetivo

$100,000$2,000,000

Pago Inicial (%)

3.0%50.0%

Tasa de Interés (%)

4.000%14.000%

Poder Adquisitivo$334,147

Pago Mensual$3,143/mo

Tu Tasa7.000%

Monto del Préstamo$360,000

Pago Inicial$40,000

Efectivo para Cierre$50,562

⚠️

This scenario does not qualify — here is what you need to change:

💰Minimum Annual Income

$98K$8K/mo gross requiredCurrent: $85K/yr

💳Max Monthly Debts

$240Max other debt at current incomeCurrent: $500/mo

🏠Max Purchase Price

$334,147At your current income & debtsTarget: $400,000

Fix one or more of the above to qualify. Improving your FICO score also lowers your rate.

Capital · Interés · Impuesto · Seguro

Principal + Interest$2,456

Property Tax$367

Insurance$125

PMI$195

Total Monthly$3,143/mo

DTI Vivienda41.6%

0%31%36%60%

Over Limit — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

DTI Total48.7%

0%38.25%45%60%

Over Limit — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

❌No califica — Front-end DTI 41.61% exceeds 36% CONVENTIONAL limit

LTV90.0%

Loan Amount$360K

Total Interest$524K

Down Payment10.0% — $40K

Closing Costs$11K

Cash to Close$51K

Ready to move forward?