Important Calculators
The numbers worth running before you sign
Eleven tools for the decisions that actually cost money: what moving up really costs when your rate is locked in low, what you can qualify for when your income is self-employed, what owning saves you at tax time, and how to tap equity without repricing a low first mortgage. Nothing is saved, nothing is sent, and no credit is pulled. When you want the real figure, Justin is a phone call away.
The Real Cost of Moving Up
Your rate is in the threes and the next house costs double. See what the increase actually is once debts you’d clear and the tax change are counted.
- Walks from sale proceeds through to the true monthly difference
- Counts debts cleared at closing and what that costs in down payment
- Includes Prop 19 if you’re 55 or older
Sale Proceeds Calculator
The sale price isn’t what you keep. Work out what’s actually left after the loan payoff, commissions, and closing costs.
- Every cost that comes out at closing, itemised
- Shows what’s left for your next down payment
- Adjust any assumption your agent gives you
Rent vs Own
Renting isn’t throwing money away, and buying isn’t automatically better. An honest comparison over the years you’d actually stay.
- Counts equity, appreciation, and the tax treatment
- Includes what renting costs as rents rise
- Shows the year owning pulls ahead — if it does
Self-Employed Buying Power
Bank statement math instead of tax returns. See what your business income could actually qualify for.
- Adjustable expense ratio — as low as 15% for solo service businesses
- Add a co-borrower's W-2 or other income
- Shows your qualifying income, budget, and loan amount
Homeowner Tax Savings
Mortgage interest and property taxes are deductible — but only above the standard deduction. This does that math honestly.
- Built on verified 2026 federal figures
- Handles the $40,400 SALT cap and $750,000 interest limit
- Tells you plainly when the answer is zero
Early Payoff Calculator
See what an extra $100 or $500 a month really does to a 30-year loan. The answer surprises most people.
- Interest saved and years knocked off the term
- Add a one-time lump sum
- Compare 30, 20, and 15-year terms
Home Equity Calculator
See how much of your home's equity you could tap — and what the payment looks like — up to 90% combined loan-to-value.
- Enter your value and current balance
- Borrow slider with live monthly payment
- Choose a 10, 15, 20, or 30-year term
Blended Rate Calculator
See whether a second mortgage or a cash-out refinance costs less — and what folding in other debt does to your blended rate.
- Compares both options side by side
- Add cards, a HELOC, auto, personal or student loans
- Shows your true blended rate across all debt
Prop 19 Tax Transfer
Move anywhere in California and take your Prop 13 tax base with you. Most homeowners don’t know this exists.
- Full explainer plus a savings calculator
- Handles buying up, with the correct thresholds
- Shows 10-year savings, not just year one
Refinance Break-Even
Closing costs come first. See how many months until a refinance pays for itself — and whether it saves money over the full term.
- Break-even in months, not vague advice
- Compares 30, 20, 15-year or matching your term
- Flags when a lower payment costs more interest
DSCR Calculator
Qualify a rental on its own cash flow instead of your tax returns. See the ratio and whether it clears the usual thresholds.
- Full PITIA breakdown, not just principal and interest
- Shows the rent needed to hit 1.00 and 1.25
- Explains what DSCR lenders still check
Ready for a real number?
A calculator can only go so far. Justin will look at your actual deposits, credit, and goals and tell you exactly where you stand — usually the same day.
More from the Walsh Team
These tools are educational estimates and not a pre-approval, a commitment to lend, or tax advice. Bank statement and Profit & Loss loans are non-QM products; rates, down payment, expense ratios, and qualifying guidelines vary by lender, program, and borrower profile. Tax results depend on your full return — confirm anything here with a CPA or licensed tax preparer.
Why people choose us
Rated 4.9 on Google across 254 reviews
The number above is an estimate. This is what the people on the other side of one actually said.
Where others may say ‘no,’ Justin and his team find creative ways to make things happen. He builds detailed, long-term plans for clients — and he is not just a great lender, he is a true partner.
Justin walked us through the ins and outs of the loan and made us feel so comfortable — which, as first-time buyers, meant the world. Then Christel made sure we understood every document.
Justin and his team are a dream to work with. They made the entire process seamless and work incredibly fast. I would recommend them over anyone else I have worked with on previous transactions.