Mortgage & Investment Calculators for Meridian & Boise
Estimate a monthly payment as a Treasure Valley homebuyer, or analyze a rental property's cash flow as an investor in Meridian, Boise, Nampa, or Kuna.
Rates shown are a starting point for the calculation, not a live quote — your actual rate depends on credit, loan type, and lender. I'm happy to point you toward lenders who can get you a current, personalized number.
Estimated Monthly Payment
$2,065
Principal & Interest$2,065
Est. Property Tax$236
Est. Home Insurance$125
Total Est. Payment$2,426
This estimate covers principal, interest, and rough property tax / insurance figures for Idaho — it doesn't include HOA dues, PMI, or loan-specific fees. For an exact number, a lender can run your actual numbers in a few minutes.
Property management, maintenance, and CapEx reserve are each modeled separately as a % of collected rent — the standard way investors break down operating costs. Investment loans typically carry a slightly higher rate than owner-occupied loans, which is why the default here runs a bit above the homebuyer tab.
DSCR — NOI ÷ annual debt service (1.0 = breakeven)
12.7
Gross Rent Multiplier — price ÷ annual gross rent
32%
Operating Expense Ratio — total OpEx ÷ effective income
80%
Loan-to-Value at purchase
0.66%
Rent ÷ Price — the "1% rule" screening test
$4,120
Est. equity from loan paydown, year 1
These are simplified estimates for screening a deal quickly — they exclude closing costs, appreciation, and property-specific risk factors. Cap rate and DSCR are calculated independent of your specific financing (except DSCR, which uses your modeled loan); cash-on-cash and year-1 paydown reflect your actual down payment and loan terms above. Run the real numbers with a lender and your own due diligence before making an offer.
Want help turning this into a real offer?
I can walk you through pre-approval, connect you with a local lender, and help you find homes — or investment properties — that actually fit these numbers.
