Calculate monthly payment, total interest, and amortization for investment property loans. Compare current rate vs refinance.
đ Property Address (optional)
â Saved
InputsShared
Loan Details
Purchase Price
$
Down Payment %
%
Interest Rate %
%
Loan Term (years)
Pro Forma â Refinance Scenario
Refi Rate %
%
Refi Term (years)
Additional Costs
Property Tax/mo
$
Insurance/mo
$
PMI/mo (if any)
$
Current LoanCurrent
Refinance Scenario
Enter values to see results
Monthly P&I
â
mortgage only
Monthly PITI
â
all housing costs
Loan Amount
â
financed
Total Paid
â
over full term
Loan Summary
Purchase Priceâ
Down Paymentâ
Loan Amountâ
Monthly P&Iâ
Total of Paymentsâ
Total Interestâ
Amortization Highlights
Year 1 Interestâ
Year 1 Principalâ
Balance After 5 Yrsâ
Balance After 10 Yrsâ
After plan
Enter values to see results
Refi Monthly P&I
â
Monthly Savings
â
vs current rate
Annual Savings
â
Interest Saved
â
full term
Refinance Comparison
Current Paymentâ
Refi Paymentâ
Monthly Savingsâ
Annual Savingsâ
Lifetime Interest Savedâ
Break-Even Analysis
Est. Refi Closing Costsâ
Break-Even (months)â
Worth It If Hold >â
đ Email My Report
Free PDF sent instantly.
Enter purchase price, down payment, and interest rate. The calculator shows full P&I payment, PITI (with taxes and insurance), and total interest paid over the life of the loan. Pro Forma compares a refinance scenario.
Investment property mortgages typically require 20â25% down and carry rates 0.5â1% higher than primary residence loans. Use this calculator to compare loan scenarios, estimate holding costs, and evaluate when a refinance breaks even.