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Property Decision Desk
Home Buyer All Tools
  • Decision Desk 7
  • True Cost of Owning 10
  • Mortgage Mechanics 10
  • Rent vs Buy 10
  • Investor Yardsticks 10
  • Rental Cashflow 10
  • Flip & BRRRR Labs 10
  • Affordability & Qualifying 10
  • Equity & Appreciation 10
  • Selling & Exit 10
  • Short-Term Rental Lab 10
  • Location & Market 10
  • Decision Frames 12

Decision Desk

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Signature verdict tools — affordability, buy vs rent, cash flow, offers, remodel ROI, and holding costs.

  • Can I Afford This?
  • Buy vs Rent Decision
  • Rental Cash Flow Desk
  • Remodel ROI Desk
  • Offer Strength Score
  • Holding Cost Clock
  • Property Decision Report

True Cost of Owning

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Interest, taxes, insurance, maintenance, and HOA — the price behind the price tag.

  • True Door Price
  • Hidden Ownership Cost Stack
  • Lifetime Interest Reveal
  • Maintenance Reserve Planner
  • HOA Fee Drag
  • Property Tax Forecaster
  • Home Insurance Creep
  • Utility Footprint Estimator
  • Cost Per Day of Ownership
  • First-Year Cost Shock

Mortgage Mechanics

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Amortization truths, PMI clocks, points, rate shocks, and payoff acceleration.

  • PITI Payment Breakdown
  • Amortization Truth Lens
  • PMI Exit Clock
  • Points Break-Even Lab
  • Extra Payment Accelerator
  • Rate Shock Meter
  • ARM Reset Preview
  • Biweekly Payment Edge
  • Principal Crossover Date
  • Loan Offer Duel

Rent vs Buy

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Honest forks between renting, buying, and investing the difference.

  • Rent vs Buy Fork
  • Break-Even Horizon
  • “Throwing Away Rent” Myth Check
  • Price-to-Rent Ratio
  • Renter's Invest-the-Difference Path
  • Frequent Mover Penalty
  • Rent Increase Projector
  • Down Payment Opportunity Cost
  • Flexibility Premium Framer
  • Wait-to-Buy Cost

Investor Yardsticks

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Cap rate, cash-on-cash, DSCR, GRM, and the screens investors actually use.

  • Cap Rate Lens
  • Cash-on-Cash Meter
  • Gross Rent Multiplier Screener
  • DSCR Check
  • 1% Rule Screener
  • 50% Expense Rule Check
  • Equity Multiple Sketch
  • Break-Even Occupancy
  • Price Per Door
  • Return on Equity Check

Rental Cashflow

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Vacancy, turnover, capex, and management — the cashflow after reality bites.

  • Landlord Cashflow Truth
  • Vacancy Leak Meter
  • CapEx Sinking Fund
  • Turnover Cost Counter
  • Property Management Trade-off
  • Rent Roll Stress Test
  • NOI Builder
  • Operating Expense Ratio Check
  • Delinquency Buffer Sizer
  • Rent Raise Timing Frame

Flip & BRRRR Labs

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MAO math, rehab ROI, holding burn, and capital recycling for value-add deals.

  • 70% Rule MAO Calculator
  • Flip Profit Lab
  • Rehab ROI Ranker
  • Holding Cost Burn Rate
  • BRRRR Capital Recycle Meter
  • ARV Sensitivity Band
  • Hard Money Cost Stack
  • Wholesale Spread Check
  • Sweat Equity Meter
  • Timeline Slip Cost

Affordability & Qualifying

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DTI guardrails, income needed, saving runways, and house-poor warnings.

  • Honest Affordability Meter
  • Income Needed Reverse Calculator
  • DTI Guardrail
  • Down Payment Runway
  • Closing Cost Estimator
  • House-Poor Detector
  • PITI vs Paycheck
  • Co-Buyer Split Planner
  • Student Loan Qualifying Drag
  • Stretch Scenario Stress

Equity & Appreciation

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Equity snowballs, appreciation reality checks, and tappable-equity math.

  • Equity Snowball Projector
  • Appreciation Reality Check
  • Forced Appreciation Lab
  • Cash-Out Refi Frame
  • HELOC Headroom Gauge
  • Home vs Market Race
  • Principal Milestone Map
  • Home Value CAGR Decoder
  • Negative Equity Guard
  • Sell vs HELOC Frame

Selling & Exit

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Net sheets, agent fees, price cuts, and the real cost of getting out.

  • Seller Net Sheet
  • Agent Fee Reveal
  • Capital Gains Exclusion Check
  • Staging ROI Frame
  • Price Cut Math
  • Days-on-Market Burn
  • Sell vs Rent It Out
  • Trade-Up Gap Calculator
  • Bridge Loan Frame
  • Concession & Credit Math

Short-Term Rental Lab

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ADR, occupancy, break-even nights, and STR-vs-long-term showdowns.

  • STR vs Long-Term Showdown
  • ADR × Occupancy Solver
  • Break-Even Nights Counter
  • STR Expense Stack
  • Seasonality Smoother
  • Cleaning Fee Optimizer
  • Furnishing Payback Clock
  • STR Cap Rate Lens
  • Regulation Risk Pad
  • Host Time Wage

Location & Market

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Price per square foot, commute capitalization, tax zones, and market heat.

  • Price Per Sqft Duel
  • Commute Cost Capitalizer
  • School Premium Frame
  • Market Heat Gauge
  • Property Tax Zone Delta
  • Cost-of-Living Swap Lens
  • Insurance Zone Delta
  • Walkability Value Frame
  • Climate Risk Pad
  • Rent Growth Compare

Decision Frames

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15 vs 30, buy now vs wait, fixer vs turnkey — hard forks framed clearly.

  • 15 vs 30 Year Fork
  • Buy Now vs Wait Fork
  • Refinance or Not
  • Points or Invest the Cash
  • House Hack Frame
  • Duplex vs Single-Family Fork
  • New Build vs Resale Frame
  • Fixer vs Turnkey Fork
  • Cash vs Mortgage Frame
  • Second Home vs Investment Fork
  • Downsize Dividend
  • Land vs House Frame
About
Home Buyer All Tools

Categories

Decision Desk 7 View category Can I Afford This? Buy vs Rent Decision Rental Cash Flow Desk Remodel ROI Desk Offer Strength Score Holding Cost Clock
True Cost of Owning 10 View category True Door Price Hidden Ownership Cost Stack Lifetime Interest Reveal Maintenance Reserve Planner HOA Fee Drag Property Tax Forecaster
Mortgage Mechanics 10 View category PITI Payment Breakdown Amortization Truth Lens PMI Exit Clock Points Break-Even Lab Extra Payment Accelerator Rate Shock Meter
Rent vs Buy 10 View category Rent vs Buy Fork Break-Even Horizon “Throwing Away Rent” Myth Check Price-to-Rent Ratio Renter's Invest-the-Difference Path Frequent Mover Penalty
Investor Yardsticks 10 View category Cap Rate Lens Cash-on-Cash Meter Gross Rent Multiplier Screener DSCR Check 1% Rule Screener 50% Expense Rule Check
Rental Cashflow 10 View category Landlord Cashflow Truth Vacancy Leak Meter CapEx Sinking Fund Turnover Cost Counter Property Management Trade-off Rent Roll Stress Test
Flip & BRRRR Labs 10 View category 70% Rule MAO Calculator Flip Profit Lab Rehab ROI Ranker Holding Cost Burn Rate BRRRR Capital Recycle Meter ARV Sensitivity Band
Affordability & Qualifying 10 View category Honest Affordability Meter Income Needed Reverse Calculator DTI Guardrail Down Payment Runway Closing Cost Estimator House-Poor Detector
Equity & Appreciation 10 View category Equity Snowball Projector Appreciation Reality Check Forced Appreciation Lab Cash-Out Refi Frame HELOC Headroom Gauge Home vs Market Race
Selling & Exit 10 View category Seller Net Sheet Agent Fee Reveal Capital Gains Exclusion Check Staging ROI Frame Price Cut Math Days-on-Market Burn
Short-Term Rental Lab 10 View category STR vs Long-Term Showdown ADR × Occupancy Solver Break-Even Nights Counter STR Expense Stack Seasonality Smoother Cleaning Fee Optimizer
Location & Market 10 View category Price Per Sqft Duel Commute Cost Capitalizer School Premium Frame Market Heat Gauge Property Tax Zone Delta Cost-of-Living Swap Lens
Decision Frames 12 View category 15 vs 30 Year Fork Buy Now vs Wait Fork Refinance or Not Points or Invest the Cash House Hack Frame Duplex vs Single-Family Fork
About

All Tools

129 free real-estate decision tools with charts, scenarios, and shareable reports.

All Decision Desk True Cost of Owning Mortgage Mechanics Rent vs Buy Investor Yardsticks Rental Cashflow Flip & BRRRR Labs Affordability & Qualifying Equity & Appreciation Selling & Exit Short-Term Rental Lab Location & Market Decision Frames

10 tools

Equity & Appreciation

Equity Snowball Projector

Watch principal paydown and appreciation stack equity year by year.

Equity & Appreciation

Appreciation Reality Check

Deflate headline appreciation by inflation and carrying costs.

Equity & Appreciation

Forced Appreciation Lab

Value created by raising NOI on income property at a market cap rate.

Equity & Appreciation

Cash-Out Refi Frame

New payment and lifetime interest when you pull equity out.

Equity & Appreciation

HELOC Headroom Gauge

Tappable equity under typical combined loan-to-value caps.

Equity & Appreciation

Home vs Market Race

Race home equity growth against the same dollars in an index fund.

Equity & Appreciation

Principal Milestone Map

Dates you hit 10%, 20%, and 50% equity on a standard schedule.

Equity & Appreciation

Home Value CAGR Decoder

Turn 'it doubled since 2010' into an honest annual growth rate.

Equity & Appreciation

Negative Equity Guard

How far prices can fall before you owe more than the home is worth.

Equity & Appreciation

Sell vs HELOC Frame

Unlock equity by selling or borrowing against it — costs of each path.

Property Decision Desk

Verdict-first real-estate tools for buyers, owners, landlords, and investors — with shareable decision reports.

Educational estimates only. Not financial, tax, lending, or real-estate advice.

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Decision Desk

  • Can I Afford This?
  • Buy vs Rent Decision
  • Rental Cash Flow Desk
  • Offer Strength Score
  • Holding Cost Clock
  • Property Decision Report

Tool categories

  • Decision Desk 7
  • True Cost of Owning 10
  • Mortgage Mechanics 10
  • Rent vs Buy 10
  • Investor Yardsticks 10
  • Rental Cashflow 10
  • Flip & BRRRR Labs 10
  • Affordability & Qualifying 10
  • Equity & Appreciation 10
  • Selling & Exit 10
  • Short-Term Rental Lab 10
  • Location & Market 10
  • Decision Frames 12
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