TOOLS • CALCULATOR SUITE

The Don’s Calculator Suite™

Here’s the back-room math lab for serious investors, buyers, and wholesalers. Every calculator below is a dedicated mini-app — tuned for one job, one strategy, and no fugazi numbers.

How to use this page

Scroll to the calculator that matches your situation.
Fill in the fields and hit Calculate.
Screenshot or print the results for your files.

What’s under the hood

Real mortgage math — principal, interest, taxes & insurance.
Cash-flow, cap rate, and cash-on-cash returns.
Wholesale MAO, Don’s Offer, and profit spread metrics.

LOAN • VA

VA Loan Calculator

Built for veterans and active-duty buyers. Models zero-down VA loans with a funding fee, plus taxes and insurance, so you know the real monthly payment before you call the lender.

Purchase price ($)

Down payment (%)

Interest rate (% yearly)

Loan term (years)

VA funding fee (%)

Annual taxes ($)

Annual insurance ($)

Monthly HOA ($)

Other monthly costs ($)

VA Loan Snapshot

Base loan amount: $0

Funding fee added: $0

Total financed: $0

Principal & Interest: $0/mo

Taxes & Insurance: $0/mo

HOA & other: $0/mo

Estimated total payment: $0/mo

LOAN • FHA

FHA Loan Calculator

For first-time and low-down buyers. Includes upfront and monthly MIP so you see the real monthly nut on an FHA deal.

Purchase price ($)

Down payment (%)

Interest rate (% yearly)

Loan term (years)

Upfront MIP (%)

Monthly MIP (% / year)

Annual taxes ($)

Annual insurance ($)

FHA Loan Snapshot

Base loan amount: $0

Upfront MIP added: $0

Total financed: $0

Principal & Interest: $0/mo

Taxes & Insurance: $0/mo

Monthly MIP: $0/mo

Estimated total payment: $0/mo

LOAN • CONVENTIONAL

Conventional Mortgage Calculator

Standard Fannie/Freddie-style loan math with PMI option, taxes, and insurance. Good for owner-occ and long-term holds.

Purchase price ($)

Down payment (%)

Interest rate (% yearly)

Loan term (years)

PMI (% / year, 0 if none)

Annual taxes ($)

Annual insurance ($)

Monthly HOA ($)

Conventional Loan Snapshot

Loan amount: $0

Principal & Interest: $0/mo

Taxes & Insurance: $0/mo

PMI: $0/mo

HOA: $0/mo

Estimated total payment: $0/mo

HOLD • CASH FLOW

Investment Property Analyzer

Full buy-and-hold engine: cash flow, cap rate, and cash-on-cash return so you know if the door is a keeper.

Purchase price ($)

Down payment (%)

Interest rate (% yearly)

Loan term (years)

Gross monthly rent ($)

Vacancy allowance (% of rent)

Annual taxes ($)

Annual insurance ($)

Repairs/reserves (% of rent)

Management (% of rent)

Cash-Flow Snapshot

Loan amount: $0

P&I payment: $0/mo

Fixed expenses: $0/mo

Variable expenses: $0/mo

Net operating income (NOI): $0/yr

Monthly cash flow: $0/mo

Cap rate: 0%

Cash-on-cash return: 0%

WHOLESALE • 70% RULE

Wholesale Deal Calculator

A simple 70%-rule engine. Plug in ARV, repairs, and costs to get MAO, The Don’s Offer, and your projected spread.

After Repair Value (ARV) $

Repair cost ($)

Other costs (closing, holding, etc.) ($)

Wholesale fee ($)

Buyer’s resale price (optional) $

Wholesale Snapshot

70% of ARV: $0

Maximum Allowable Offer (MAO): $0

The Don’s Offer (-5%): $0

Projected buyer price: $0

Projected buyer profit: $0

Deal ROI (on Don’s money): 0%

*All calculators are estimates only and are not a substitute for licensed lending, legal, tax, or financial advice. Users are responsible for confirming all numbers before making investment decisions.