Free Real Estate Calculators
Best-in-class tools for investors. No signup required
Free tools
Deal screening
Underwriting workflow
Offer math
Financing
Coming soon
Loan Comparison
Compare two loan scenarios (rate + points) over your hold period.
Parcel Platform
Mar 4, 2026
Loan Comparison
Loan $300,000 • 7.00% vs 6.50%
Loan A
Loan B
Payment A (P&I)
$1,996/mo
Payment B (P&I)
$1,896/mo
Monthly Savings (A − B)
$100
Break-even (points diff)
31 months
Total Paid Over Hold (A − B)
$2,982
This compares points + P&I payments over your hold period. It doesn't account for tax impacts or principal paydown differences — use it as a practical decision aid.
How this calculator works
Compare two loan options side-by-side. This tool helps you evaluate rate vs points (and term) based on your expected hold period so you can choose the better fit.
What it includes
- Scenario A vs B payments
- Points cost
- Breakeven estimate
- Cost comparison over hold period (estimate)
How to use it
- Enter loan amount and term.
- Enter rate and points for each scenario.
- Set your expected hold period (months).
- Use breakeven and cost comparison to decide which option fits your timeline.
FAQ
What hold period should I use?
Use how long you expect to keep this loan before refinancing or selling. If you’re unsure, test a short hold (12–24 months) and a long hold (5+ years).
Does this include principal paydown?
The comparison focuses on costs and payments. Principal paydown is equity, not an expense, and can be analyzed separately.
Ready for the full platform?
Go beyond calculators. Get automated underwriting, AI-powered comps, renovation estimates, and branded PDF reports.
Join waitlist 5 free analyses, no card required
Ready for the full picture?
These calculators are just the start. Get AI-powered analysis, professional reports, and a complete underwriting workflow.