US real estate calculators
Calculators built specifically for the United States real estate market. Fannie Mae / Freddie Mac 43% DTI rules, 80% conventional LTV guidelines, monthly NOI, cap rates, and mortgage stress testing.
Debt-to-income calculator
See whether your next loan fits inside the RBNZ / APRA / US DTI cap before you talk to a bank.
Loan-to-value ratio calculator
Work out your LVR (or LTV in the US) and the deposit you need to clear investor and owner-occupied bands.
Rental property cashflow calculator
Weekly and annual net cashflow on a rental, with rates, insurance, management, vacancy and interest baked in.
Mortgage stress-test calculator
See what your repayments look like at the bank's stress-test rate — the rate they actually use to approve you.
Gross & net rental yield calculator
Gross yield, net yield and cap rate for any rental — with weekly-rent input for NZ/AU and monthly for the US.
Investing in US real estate?
Stackhold models conventional conforming rules, monthly cashflow, DSCR metrics, and future portfolio scalability.
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