Mortgage Calculator for Investment Properties
Calculate monthly mortgage payments, total interest, and amortization schedules for investment property loans. Plan your financing with confidence.
Investment Property Mortgage Basics
Investment property mortgages differ from primary residence loans: higher down payments, higher interest rates, stricter qualification standards, and different loan products (conventional, DSCR, portfolio, hard money).
Understanding your exact monthly payment — and how much goes to principal vs. interest — is essential for accurate cash flow projections.
Mortgage Payment Formula
Monthly Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1]
Where P is principal, r is monthly interest rate (annual rate ÷ 12), and n is total number of payments. Our calculator handles this instantly and shows you the full amortization schedule.
Reading the Amortization Schedule
Early in a loan, most of your payment goes to interest. Over time, more goes to principal. The amortization table shows exactly how your loan balance decreases each month — critical for planning refinances, sales, or equity extraction.
- Compare 15-year vs. 30-year terms
- See total interest paid over the life of the loan
- Identify when you reach 20% equity for refinance options
- Export the schedule to CSV for your records
Use the Mortgage Calculator
Enter loan amount, interest rate, and term. Choose from 15, 20, or 30-year presets. Review monthly payment, total interest, and a 12-month amortization preview — then download the full schedule.
Try the Calculator
Put these concepts into practice with our interactive tool.
Open Mortgage Calculator