Carl Kratz
Broker & Realtor | Century 21 Integra Realty
Estimate payments, compare loan options, and plan your purchase - these tools help you ask the right questions before you talk to a lender.
Estimate your monthly principal and interest payment. Does not include taxes, insurance, or HOA dues.
Estimate a comfortable purchase price based on your gross monthly income and existing debts.
See exactly how each payment splits between principal and interest over the life of your loan.
| Year | Principal Paid | Interest Paid | Balance |
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Compare the true long-term cost of renting against buying in the SC Lowcountry.
See exactly how much interest you save by choosing a 15-year term - and what it costs you in monthly payment.
| Metric | 30-Year | 15-Year | Difference |
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Enter two different loan options side by side to see which one makes more sense for you.
| Metric | Loan A | Loan B | Difference |
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See how much time and interest you save by adding extra principal to your monthly payment.
Debt Service Coverage Ratio - used by lenders to qualify investment property loans based on rental income, not personal income.
For informational purposes only. These calculators provide estimates based on the inputs you provide. Results do not include property taxes, homeowner's insurance, HOA fees, flood insurance, mortgage insurance, or closing costs. Rates and availability vary by lender and borrower profile. Contact a licensed mortgage professional for a personalized quote. Carl Kratz is a licensed SC Broker & Realtor - not a lender or mortgage advisor.
Numbers are a starting point. I can connect you with trusted local lenders and show you what these budgets actually look like on the ground in Hilton Head, Bluffton, Beaufort, and beyond.