ADU & Home Financing

Financing Calculator

Model your monthly payments, ROI, and payback period before you commit. All fields are adjustable.

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Project Details

Total Project Cost$285,000

$100K$5M

Down Payment20% — $57,000

0%100%

Interest Rate7.25%

3%12%

Loan Term

Rental Income Estimate

Expected Monthly Rent$2,200

$500$8,000

Property Tax Rate1.1%

0.5%2.5%

Estimated Monthly Mortgage Payment

$1,555

Principal & interest only — excludes tax & insurance

Monthly Cost Breakdown

Principal & Interest$1,555

Property Tax (est.)$261

Insurance (est.)$119

Total Monthly$1,936

Loan Amount

$228,000

Total Interest Paid

$331,930

Total Cost of Loan

$559,930

Loan Payoff Date

2056

Rental ROI Analysis

Monthly Cash Flow

$264

Annual Net Income

$3,173

Cap Rate

7.7%

Est. Payback Period

13.1 yrs

Estimates based on inputs above. Actual results will vary. Consult a financial advisor for personalized guidance.

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