Calculators & Quick References

Mortgage Calculator

PITI breakdown, affordability analysis, and year-by-year amortization with Austin defaults. Built for showings and buyer consults.

Commission Calculator

Sale price to take-home. Models side split, referral fee, broker split, and broker flat fee — so you know your number before writing the offer.

Seller Net Sheet

Estimate what your seller walks away with at closing. Texas-standard line items, auto title-policy estimate, printable for listing appointments.

Texas Title Rate Calculator

Promulgated TDI premiums (Mar 2026). Owner and Lender policies, R-5 simultaneous issue, R-8 refinance credit, and endorsements (T-19, T-19.1, T-30, T-3).

Buyer Closing Costs

Cash-to-close estimator. Lender fees, title, prepaids, and escrow setup — sectioned to match a Texas Closing Disclosure.

Rent vs. Buy

Year-by-year cost comparison with breakeven. Models appreciation, equity, maintenance, and exit costs vs. annual rent escalators.

Investment Property ROI

Cash flow, cap rate, cash-on-cash, NOI and DSCR for SFR and small multifamily rentals. Includes 1% and 50% rule checks.

1031 Exchange Timeline

Track the 45-day identification and 180-day replacement deadlines on a like-kind exchange from the relinquished closing date.

Seller’s Concession Limits

Agency caps on what the seller can credit the buyer toward closing costs. Conventional (LTV-banded), FHA, VA, and USDA — with a dollar calculator.