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Free PITI Calculator
PITI calculator for investment property loans.
PITI is principal, interest, taxes, and insurance. This calculator also includes HOA dues when applicable. Choose your loan program and enter your numbers.
Your PITI estimate
Updates as you type
Total monthly PITIA
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Monthly payment breakdown
- Principal——
- Interest——
- Taxes——
- Insurance——
- HOA——
- Total monthly PITIA—
What this means
No application fee. No obligation to proceed.
Estimate only. Not a loan offer, rate quote, or financing commitment. Leverage shown is the program maximum; your leverage depends on experience, credit, and the property. DSCR amortizing payments assume a 30-year term; fix and flip, bridge, and construction loans are interest-only, with rehab and construction shown fully drawn. Final terms depend on credit, property, leverage, reserves, appraisal, and full underwriting.
How PITI works on each loan.
PITI works differently depending on how your loan is structured.
DSCR Rental
Full PITIA counts. Rent divided by PITIA is your DSCR, which decides how much you can borrow.
- 30-yr fixed or interest-only
- Up to 80% LTV
- 30-year term
Fix & Flip
Interest-only while you renovate. Multiply monthly carry by your hold period for total project cost.
- Interest-only payments
- Up to 93% LTC + rehab
- 6–30 month terms
Bridge
Interest, taxes, and insurance while you hold the property until a sale or permanent refinance.
- Interest-only payments
- Up to 75% LTV
- 6–15 month terms
New Construction
Interest is charged on the amount drawn, so PITI starts low and rises as the build progresses.
- Interest-only on drawn funds
- Up to 85% LTC
- 12–24 month terms
One calculator, four loan programs. Pick your program in the calculator above, then request a term sheet for your deal.
Request a Term SheetThe math behind your PITI.
PITI is a simple sum, but many investors only model principal and interest. Taxes, insurance, and HOA can materially change the monthly carrying cost.
- P
Principal pays down the loan balance. It’s zero on interest-only loans.
- I
Interest is the lender’s charge on the outstanding balance, highest in the early years.
- T
Taxes are the annual property tax divided by 12, usually paid through escrow.
- I
Insurance is the annual hazard premium divided by 12. Required for most financed properties; short-term rental policies may cost more than standard rental coverage.
$400,000 rental with a $300,000 DSCR loan at 7.25%, 30-year fixed
- Principal & interest$2,046.53
- Principal (month 1)$234.03
- Interest (month 1)$1,812.50
- Property tax ($5,000 ÷ 12)$416.67
- Insurance ($1,800 ÷ 12)$150.00
- Total monthly PITI$2,613.20
- 1
Running P&I onlyTaxes and insurance can materially increase the monthly cost beyond principal and interest. Your offer math needs the full number.
- 2
Guessing tax and insurancePull the annual tax bill from the county assessor and get a landlord insurance quote. It takes minutes.
- 3
Confusing interest-only with full PITIInterest-only bridge or flip loans have no principal payment during the IO period. The balance remains due at payoff, so model both the IO phase and the take-out separately.
Which LGV loan fits your deal?
Four investor programs, one streamlined process. Investment property only.
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DSCR Rental Loans
Long-term rental financing qualified primarily on the property’s rental income, without traditional income documentation such as W-2s or tax returns. 30-year fixed or interest-only.
Up to 80% LTV0.75 DSCR Minimum30-year term Learn more -
Fix & Flip Loans
Purchase and rehab capital for short-term projects. Interest-only payments, fast funding, and draws built around your rehab timeline.
Up to 93% LTC100% rehab6–30 month term Learn more -
Bridge Loans
Short-term financing to close fast or hold a property until a sale or permanent refinance. Interest-only with a flexible exit.
Up to 75% LTV6–15 month termFast close Learn more -
New Construction Loans
Ground-up financing for investor-builders. Interest-only on the drawn balance, with draws tied to construction milestones.
Up to 85% LTCMilestone draws12–24 month term Learn more
Ready to move?
Get financing terms for your deal.
Submit your deal and receive proposed financing terms, often the same day.
Get Started OnlineNo application fee. No obligation to proceed.
Common questions, answered.
Straight answers to what investors ask most after running their numbers.
PITI stands for principal, interest, taxes, and insurance, the four parts of the monthly payment on an investment property loan. When HOA dues apply, it’s often called PITIA. The calculator above includes all five.
No. LGV Capital finances investment property only: DSCR rentals, fix and flips, bridge loans, and new construction. We don’t finance primary residences or second homes you’ll occupy yourself.
Many consumer calculators show only principal and interest. Lenders look at the full payment, including property taxes and insurance, which can materially increase the monthly cost. Investment property insurance also often costs more than owner-occupied coverage. Use full PITI when you size up an investment property.
Yes. On a flip, PITI is your monthly holding cost. Multiply it by your expected hold period and add it to your total project cost when you underwrite the deal. The calculator does this for you and shows your estimated equity required.
On interest-only loans, such as bridge, fix and flip, and new construction, the principal portion of the payment is zero during the interest-only period. Interest is charged on the outstanding balance, while taxes, insurance, and other property expenses may still apply. The full balance is still due at payoff, so plan your exit, whether that’s a sale or a refinance.
Interest is generally charged on the amount drawn, not the full loan commitment, so payments start low and rise as draws fund. The calculator shows the payment at full draw as your worst case. Once the build is complete, you typically sell or refinance into long-term financing, such as a DSCR loan.
The principal and interest math is calculated directly from your inputs. Tax and insurance accuracy depends on the numbers you enter, so use the actual tax bill and a real insurance quote. For terms on your specific deal, get started online and a specialist will send proposed terms, often the same day.
For property tax, look up the parcel on your county assessor’s website and use the current annual bill. For insurance, get a quote from a landlord or investment property insurance provider using the property address and how you plan to use it.
That ratio is your DSCR. LGV Capital DSCR loans qualify from a 0.75 DSCR, meaning rent covers at least 75% of PITIA. A DSCR of 1.00 means rent covers the full PITIA payment, and 1.25 or higher generally represents stronger coverage.
Ran your numbers and ready to talk?