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Find when your private mortgage insurance can be removed — the month your loan reaches 80% LTV (request) and 78% LTV (automatic termination).

Cost of buying mortgage discount points vs. monthly payment savings → break-even month and lifetime savings.

30-year comparison: ownership equity + appreciation vs rent + alternative-investment growth.

Decide whether paying discount points is worth it: compare monthly payments with and without points and find the break-even month.

Years until total ownership cost (mortgage + property tax + maintenance + opportunity) equals total rent.

Construction loan: interest-only on disbursed balance during build, then converts to permanent mortgage.

How much life insurance do you need? DIME = Debt + Income (× years) + Mortgage + Education.

NOI = gross income − operating expenses. Excludes mortgage payments, capex, depreciation, and income tax.