Run the Numbers Before You Commit
Mortgage and real estate calculators built for real decisions — not generic internet estimates. Analyze affordability, investment cash flow, refinance scenarios, seller proceeds, and reverse mortgage options with tools designed by a licensed mortgage professional.
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Choose your goal and jump to the right tool.
Featured Tools
Start with the calculators most people use to make smarter mortgage and real estate decisions.
Mortgage Affordability
See how much home you can realistically afford based on income, debt, and down payment.
Estimate Buying Power → Best for InvestorsDSCR Loan Calculator
Analyze rent, expenses, and financing to estimate DSCR and see if a property works on paper.
Analyze DSCR → Best for HomeownersSmart Refinance
Compare your current mortgage to a refinance scenario with payment savings and breakeven timing.
Compare Refinance → Best for SellersFlorida Net Seller
Estimate seller proceeds after commissions, title, taxes, and payoffs in any FL county.
Estimate Proceeds →For Investors & Business Owners
DSCR, bank statement, and cash flow analysis tools
DSCR Loan Calculator
Estimate DSCR, max loan size, and cash flow fit for any rental property.
Cash Deployment Simulator
Compare down payment strategies and see how deploying capital differently affects total wealth.
Debt Consolidation
Model how rolling high-interest debt into a mortgage could lower your total monthly payment.
DSCR Rental Report
Generate a professional rental income analysis report for DSCR loan qualification.
For Homebuyers
Affordability, pre-qualification, and payment analysis
Mortgage Affordability
Estimate real buying power using income, debts, down payment, taxes, and insurance.
FHA Pre-Qual Calculator
Test FHA purchasing scenarios with low down payment options and flexible credit assumptions.
Temporary Buydown
Compare payment reductions across 2-1 and 3-2-1 buydown structures with total cost breakdowns.
PITI Payment Breakdown
See exactly where every dollar of your mortgage payment goes — principal, interest, taxes, and insurance.
Escrow Shortage Calculator
Understand why your mortgage payment changed and estimate escrow shortages from tax or insurance increases.
Existing Homeowner Calculators
Refinance analysis, savings tools, and net proceeds calculators
Smart Refinance Calculator
Compare your current rate to a refinance scenario with monthly savings and breakeven timing.
Multi-Benefit Refinance
Analyze payment savings, 12/24-month balance forecasts, and closing cost impact in one view.
FHA UFMIP Refund Calculator
Calculate your potential UFMIP refund when streamline refinancing within 36 months of your FHA closing.
Florida Net Seller
Estimate what you'll actually walk away with after commissions, taxes, title, and payoffs.
For Seniors (62+)
Reverse mortgage and home equity solutions
Reverse Mortgage Full Analysis
Estimate proceeds, tenure income, and strategic options based on home value, age, and property type.
HECM for Purchase
See how a reverse mortgage could reduce your required down payment and eliminate monthly P&I on a new home purchase.
Educational Guides & Research
Deep-dive resources on credit, taxes, title, and selling strategies
Credit Myths & Inquiry Impact
Debunk common credit misconceptions and understand how inquiries actually affect your score.
Florida Property Taxes
Research Florida property tax rates, homestead exemptions, and how taxes affect your total housing cost.
Title Vesting Options (FL)
Understand Florida title vesting options — sole ownership, joint tenancy, tenancy by entireties, and trusts.
7 Strategies to Sell Faster
Proven tactics to sell your home faster and for more money — from pricing psychology to staging tips.
Reverse Mortgage Guide
A clear, no-pressure guide to HECM reverse mortgages for Florida homeowners 62+. Myths vs. facts, heir protections, costs, and when it makes sense.
FHA & VA Appraisals: Truth vs. Myth
The real deal-killers vs. the myths — straight from FHA Handbook 4000.1 and VA Pamphlet 26-7. Stop losing deals over cosmetic misunderstandings.
Non-QM Loans Guide
Bank Statement, DSCR, 1099, Asset Depletion & P&L programs — for borrowers who don't fit the conventional box.
Smart Homeowner Playbook
Psychology-backed strategies for buying, selling, and building wealth through homeownership — with interactive calculators built in.
Your Home, Your Toolkit
A comprehensive guide to the tools, strategies, and decisions every homeowner needs — from purchase to long-term wealth building.
CPI Is Not Reaccelerating
February 2026 CPI analysis: disinflation has broadened and deepened across core, supercore, and shelter — and what it means for mortgage rates.
Not Just Calculators. Decision Tools.
Most online mortgage calculators are simplistic lead magnets — they give you a rough number and leave out the nuance that actually matters. These tools are built to help you think through real scenarios with more clarity before you make a major financial move.
Real-World Logic
Built around how mortgage decisions actually work in practice — not simplified formulas.
Better Scenario Planning
Compare down payments, buydowns, refinance structures, cash flow models, and more.
Designed by a Pro
These tools come from real lending experience — not a generic software template.
Built for Clarity
The goal isn't to overwhelm you. It's to help you understand your options faster.
Why Work With the Todd Hanley Mortgage Team?
Access to multiple lenders. A vast selection of the most sought-after products. The knowledge, technology, and systems to deliver unmatched service for every type of need.
Use the Tools First. Get Expert Help When You're Ready.
Start with the calculator that fits your situation, then reach out if you want help interpreting the numbers or comparing real options.