Interactive Tool · Payment Comfort · Reserves Protected
South Florida
Affordability Calculator
Conservative and upper planning views · Buyer-entered assumptions · Not lender approval
Whether you're buying your first home, investing in multifamily properties, or exploring FHA financing options, schedule a free consultation with Roland Ruiz — the only Realtor in South Florida with 20+ years as a licensed General Contractor.
Underwriting methods, documentation, credit, reserves, and property rules vary.
A planning range based only on the assumptions you enter.
Your take-home pay, repairs, savings goals, family needs, and risk tolerance still matter.
Using every dollar at closing can create stress when repairs or insurance costs change.
Use this calculator as a starting point, then verify the real numbers. The CFPB Loan Estimate explainer helps buyers understand principal, interest, taxes, insurance, and estimated monthly payment. The Miami-Dade Property Appraiser Tax Estimator can help estimate property taxes from information you enter. The Florida Office of Insurance Regulation CHOICES tool is a consumer rate-comparison resource. The FEMA Flood Map Service Center is the official public source for FEMA flood hazard maps.
A calculator gives you a starting point. Roland can help you slow down and identify which numbers still need verification with your lender, insurance agent, HOA, county tax source, and closing professional. Free consultation.
→ Compare Florida Loan Programs — FHA, DSCR, Conventional, VA, and Commercial compared side by side.
Roland answers his own phone. No gatekeepers, no referrals to a junior agent. 20 years as a licensed General Contractor means you get a real assessment — not just a showing.
📅 Schedule Free ConsultationRoland will be in touch within 24 hours.
For urgent inquiries, call 305.731.0387
Roland runs the numbers with you — mortgage payment, property tax, HOA, insurance — so you know your real monthly carry before you make an offer. Free buyer representation. Seller pays the commission.
Cash flow, cap rate, DSCR — Roland runs the full investment analysis alongside your mortgage numbers. One call, full picture.
Calculator next-step guidance. Use the numbers as a starting point. Roland can help you understand what should be verified by a lender, insurance agent, CPA, inspector, or other professional before you decide.
