Calculate payments, compare amortizations, or size home equity and DSCR debt service in one unified calculator.
Access equity up to 85% CLTV without touching your 1st mortgage
During the 10-year draw period, you only pay interest on funds you actually draw.
Direct answers to loan terms, amortization differences, and payment calculation formulas for California borrowers.
A 30-year fixed loan provides lower required monthly payments by spreading repayment over three decades, while a 15-year fixed loan pays off debt in half the time and significantly reduces total lifetime interest.
Borrowers prioritizing monthly cash-flow flexibility often choose 30-year terms, while those aiming to build equity quickly prefer 15-year structures.
PITI represents Principal, Interest, Taxes, and Insurance. DTI (Debt-to-Income) measures total monthly debt against gross monthly income. LTV (Loan-to-Value) represents loan amount divided by property value.
In California, property taxes typically average 1.1% to 1.25% of assessed value under Proposition 13, and homeowners insurance or HOA dues are added to calculate complete PITI.
The DSCR calculator divides the property’s gross monthly rental income by its total monthly mortgage payment (PITIA) to determine debt service coverage.
A DSCR of 1.0x indicates rental revenue equals the mortgage payment, while a ratio of 1.20x or higher indicates strong surplus cash flow and unlocks competitive terms without personal tax returns.