Financial Clarity Tools
Run the numbers.Own the decision.
Fifteen calculators built for Arizona buyers, relocators, retirees, and investors — from first-time mortgage to STR cash flow analysis. No guesswork. No gatekeeping.
Eric Ravenscroft
Realtor · The Ravenscroft Group · Arizona
"I built these tools because my clients deserve real numbers — not vague estimates. Run any scenario, then let's talk strategy."
15+
Years exp.
$150M+
Closed volume
200+
Clients served
Loan details
VA Loan Options
✓ Funding fee is waived for veterans with a service-connected disability rating of 10% or more.
Monthly payment
-
Principal, interest, taxes & insurance
Principal & interest-
Property tax-
Insurance-
PMI / MIP-
Total PITI-
Loan overview
Loan amount-
Total interest paid-
Total cost of home-
Principal-
Interest-
Ready to move forward? Schedule time with Eric →
Your financial picture
Estimated max home price
-
Based on 28% front-end DTI guideline
Conservative (25% DTI)-
Moderate (28% DTI)-
Aggressive (36% DTI)-
Monthly budget breakdown
Gross monthly income-
Max housing payment (28%)-
Existing monthly debts-
Available for mortgage-
Housing budget consumed by debts-
Want a personalized assessment? Ask Eric →
Transaction details
VA Loan Options
✓ Funding fee is waived for veterans with a service-connected disability rating of 10% or more.
Estimated closing costs
-
Typical Arizona buyer costs
Lender origination fee-
Appraisal$650
Title & escrow-
Recording fees$200
Prepaid interest (15 days)-
Prepaid taxes & insurance-
--
Total closing costs-
Cash needed to close
Down payment-
Closing costs-
Total cash needed-
Want to negotiate seller concessions? Ask Eric →
Your current loan
Break-even point
-
Months until refinance pays for itself
Current monthly payment-
New monthly payment-
Monthly savings-
Break-even-
5-year net benefit
Gross savings (60 months)-
Less closing costs-
Net 5-year benefit-
Adjust the sliders to see your refinance analysis.
Thinking about refinancing? Talk to Eric →
Your sale details
Net proceeds at closing
-
Your estimated take-home check
Sale price-
Agent commission-
Seller closing costs-
Repairs & staging-
Mortgage payoff-
Net proceeds-
Gain & equity snapshot
Appreciation gain-
Total equity captured-
Equity as % of sale price-
Est. taxable gain ?-
Thinking of listing? Get Eric's market analysis →
Your origin city vs. Arizona
Annual savings by moving to Arizona
-
Estimated combined savings
| Category | Origin | Arizona | Savings/yr |
|---|---|---|---|
| Housing (mo) | - | - | - |
| State income tax | - | - | - |
| Groceries (index) | - | - | - |
| Utilities (mo) | - | - | - |
| Transportation (mo) | - | - | - |
| Annual total | - | - | - |
Moving from out of state? Eric specializes in relocation. Connect →
Property details
Projected home value
-
After hold period
Purchase price-
Appreciation gain-
Remaining mortgage-
Selling costs (6%)-
Net proceeds-
Return on investment
Total cash invested (down payment)-
Net profit-
ROI on down payment-
Annualized ROI-
Equity growth-
Curious about specific Arizona markets? Ask Eric →
New construction details
Resale comparison
New construction
-
Monthly payment
Resale
-
Monthly payment
Adjust the sliders to compare scenarios.
New construction P&I-
Resale P&I-
New construction effective price-
Monthly difference-
5-year savings-
Eric negotiates builder incentives directly. Let him help →
Your move details
Estimated total moving cost
-
Professional move estimate
Base moving cost-
Packing services-
Storage-
Travel & lodging-
Vehicle shipping-
Total estimate-
DIY vs. professional
Professional mover estimate-
DIY truck rental estimate-
Potential DIY savings-
Adjust the inputs to see your moving cost estimate.
Relocating to Arizona? Eric's relocation concierge →
Your scenario
Buying
-
Net equity after costs
Renting
-
Total rent paid
Adjust the sliders to see your analysis.
Monthly buy cost (PITI)-
Monthly rent cost-
Projected home value-
Est. equity at sale-
Break-even point-
Not sure what's right? Get Eric's take →
Property & rental details
Gross monthly
-
before costs
Net monthly
-
after expenses
Annual gross
-
projected
Annual NOI
-
net operating income
Monthly cash flow
-
After mortgage & all expenses
Cap rate-
Gross yield-
Cash-on-cash (est. 20% dp)-
Nights booked / month-
Want a property-specific STR analysis? Connect with Eric →
Rental strategy comparison
Short-term rental
-
Monthly cash flow
Mid-term rental
-
Monthly cash flow
Adjust the sliders to compare strategies.
STR gross monthly-
STR net (after mgmt + exp + mtg)-
MTR gross monthly-
MTR net (after vacancy + exp + mtg)-
Annual difference-
Need a rental strategy? Talk to Eric →
Investment property loan qualifier
DSCR Ratio
-
Most lenders require 1.20 or higher
Gross monthly rent-
Monthly PITIA-
Principal & interest-
Taxes & insurance (mo)-
DSCR = Rent / PITIA-
Loan qualification
Adjust the sliders to see your qualification status.
Loan amount-
Down payment needed-
Monthly cash flow (est.)-
Min. rent to qualify at 1.25x-
DSCR loans don't require W-2 income. Ask Eric about investor financing →
Purchase & financing
Income & expenses
Monthly cash flow
-
after all costs
Cap rate ?
-
NOI / price
Cash-on-cash ?
-
annual return
10-yr IRR ?
-
annualized
10-year investment summary
Total cash invested-
Total rental income (10yr)-
Total mortgage paid-
Projected sale value-
Equity at sale (net of 6%)-
Total profit-
Tax depreciation benefit ?
Annual depreciation deduction-
Est. annual tax benefit (24% bracket)-
10-year tax benefit-
Ready to find a cash-flowing property? Invest with Eric →
Your current & new situation
Equity released from sale
-
After selling costs & paying off mortgage
Current home sale (net of 6%)-
Mortgage payoff-
Equity available-
New home down payment (20%)-
Leftover equity / nest egg-
Monthly retirement budget
Retirement income-
New mortgage payment-
HOA fee-
Healthcare-
Remaining for living expenses-
Mortgage
-
HOA
-
Healthcare
-
Remaining
-
Planning a 55+ community move? Let Eric guide you →
Calculators are for educational purposes only and do not constitute financial, tax, or legal advice. Speak with Eric for personalized guidance. |
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