Should I use DealCooker or the simple website calculators?

Use the website calculators when you need a fast first pass on payment, seller net, or strategy fit. Use DealCooker when the property deserves deeper investor underwriting, strategy comparison, or a more complete deal file. The simple calculators are meant to narrow the question. DealCooker is the heavier workflow when the deal is worth modeling in more detail.

How accurate is the mortgage payment calculator?

It is useful for planning, but it is not a lender quote. The payment can change once the lender confirms the rate, loan program, PMI, taxes, insurance, HOA, CDD, flood risk, and final escrow setup. The calculator is best for comparing price points before you spend time on a specific home.

What costs should I include in a seller net sheet?

Start with sale price, mortgage payoff, commission, seller concessions, title and settlement costs, repair credits, prep work, HOA or condo fees, and any other negotiated credits. Taxes and prorations can also move the final number. A basic calculator can show the planning range, but the final answer should be tightened with a real title net sheet and property-specific assumptions.

Calculators

Run the Numbers

Run a quick mortgage or seller-net estimate, then use DealCooker when an investor deal needs full underwriting.

Payment Estimate

Estimate a Tampa Bay mortgage payment

Run a basic principal, interest, taxes, insurance, HOA/CDD, and PMI screen before you compare homes or talk through offer strategy.

Purchase price $

Down payment Use either dollars or percent. Closing costs are separate.

Interest rate %

Loan term yrs

Annual property taxes $ Annual amount. The calculator converts it to monthly.

Annual insurance $

Monthly HOA or CDD $ Include CDD, condo, or association fees if applicable.

Monthly PMI or MI $ Only if your loan has mortgage insurance.

Estimated monthly payment

Principal and interest

Loan amount

Taxes, insurance, fees

Scenario Status

Scenario Read

What this means

This is a planning screen, not a lender quote or approval. Taxes, insurance, PMI, CDD, HOA, and closing costs can change by address.
Use it to compare price points, then tighten the answer with a lender and property-specific insurance and tax estimates.

Seller Net Estimate

Estimate what you may net from a sale

Start with the numbers sellers usually know. The title, tax, and recording assumptions run quietly in the background so the estimate stays quick.

Expected sale price $

Mortgage payoff $ Use your current payoff if known. Leave it at 0 if the property is free and clear.

Commission rate % Use the negotiated rate if you already know it.

Seller concessions Buyer credits, rate buydowns, or closing-cost help.

Repairs or prep budget

Other seller fees $

Estimated seller net

Seller costs after credits

Commission estimate

Other seller fees

Title and tax estimate

Scenario Status

Scenario Read

What this means

This is a rough planning number, not a final title net sheet.
Contact Dillon for a more precise title estimate using the property, expected close date, payoff, and current contract terms.