Sam Gorman

Estimate your monthly house hack cost after mortgage, taxes, insurance, vacancy, reserves, and rent from rooms or units.

Estimate 1031 exchange tax deferral, taxable boot, state tax effect, adjusted basis, and reinvestment targets.

Estimate rental property depreciation, land exclusion, first-year proration, and a year-by-year schedule.

Estimate cash left after a BRRRR refinance, plus cash flow, DSCR, cash-on-cash return, and LTV sensitivity cases.

Plan debt payoff with monthly extras and future irregular payments. Compare payoff time and interest saved.

Compare a personal loan and balance transfer by total paid, payoff time, fees, and monthly payment fit for the same debt.

Calculate monthly balloon loan payments, final balloon balance, total interest, and compare two scenarios side by side.

Estimate interest-only payments, later payoff payments, payment increase, total paid, and total interest for a fixed-rate loan.

Estimate home equity loan early payoff savings, months saved, payoff date, and the effect of an early payoff fee.

Compare buying mortgage points with adding the same cash to your down payment, including payment change, savings, and break-even month.