Investment Property Mortgage Calculator

Calculate your rental property mortgage payments, view your amortization breakdown, and estimate total interest costs — all in one place.

Whether you're evaluating a new acquisition or comparing refinance scenarios, this calculator helps you assess the numbers and make confident financing decisions.

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Why Use Our Rental Property Calculator?

How do investment property mortgage payments work?

Your monthly mortgage payment on a rental property includes four components: principal (paying down the loan balance), interest (the cost of borrowing), property taxes, and insurance. Together these are called PITI. Investment property rates typically run 0.5% to 1% higher than primary residence rates, and most lenders require 20-25% down.

With a 30-year DSCR loan, your payment stays fixed for the full term. Shorter-term options like our 5 or 10-year fixed programs use 30-year amortization to keep payments manageable, with the rate resetting at the end of the fixed period.

What should I look at beyond the monthly payment?

Total interest paid over the life of the loan matters just as much as the monthly number. A 15-year loan has higher monthly payments but can save you six figures in interest compared to a 30-year term. Use the amortization schedule above to see exactly how much interest you'll pay each year.

For portfolio investors, consolidating multiple mortgages into a single blanket loan can reduce your total monthly obligations and simplify management. Our blanket loan savings calculator shows exactly how much you'd save.

As your portfolio grows, you'll need a property manager — be ready because we can finance unlimited properties. Once you've run your numbers, contact us to discuss financing options tailored to your investment strategy.