Investment Property Mortgage Calculator
Calculate monthly payments, total interest, amortization schedule, and the impact of extra payments on your investment property mortgage.
Loan Details
Additional principal payment per month
Results
Monthly Payment
$1,910
Total Interest
$407,634
Total Cost
$687,634
Payoff Date
Jul 2056
Amortization Summary
| Year | Principal | Interest | Balance |
|---|---|---|---|
| Year 1 | $2,710 | $20,211 | $277,290 |
| Year 2 | $2,913 | $20,008 | $274,377 |
| Year 3 | $3,131 | $19,790 | $271,245 |
| Year 4 | $3,366 | $19,555 | $267,879 |
| Year 5 | $3,619 | $19,303 | $264,261 |
| Year 6 | $3,890 | $19,031 | $260,371 |
| Year 7 | $4,181 | $18,740 | $256,189 |
| Year 8 | $4,495 | $18,426 | $251,695 |
| Year 9 | $4,832 | $18,089 | $246,863 |
| Year 10 | $5,194 | $17,727 | $241,669 |
| Year 11 | $5,583 | $17,338 | $236,086 |
| Year 12 | $6,002 | $16,919 | $230,084 |
| Year 13 | $6,452 | $16,470 | $223,632 |
| Year 14 | $6,935 | $15,986 | $216,697 |
| Year 15 | $7,455 | $15,466 | $209,242 |
| Year 16 | $8,014 | $14,907 | $201,228 |
| Year 17 | $8,615 | $14,307 | $192,614 |
| Year 18 | $9,260 | $13,661 | $183,353 |
| Year 19 | $9,954 | $12,967 | $173,399 |
| Year 20 | $10,701 | $12,220 | $162,698 |
| Year 21 | $11,503 | $11,418 | $151,195 |
| Year 22 | $12,365 | $10,556 | $138,830 |
| Year 23 | $13,292 | $9,629 | $125,539 |
| Year 24 | $14,288 | $8,633 | $111,250 |
| Year 25 | $15,359 | $7,562 | $95,891 |
| Year 26 | $16,510 | $6,411 | $79,381 |
| Year 27 | $17,748 | $5,173 | $61,633 |
| Year 28 | $19,078 | $3,843 | $42,554 |
| Year 29 | $20,509 | $2,413 | $22,046 |
| Year 30 | $22,046 | $875 | $0 |
Investment Property Mortgage Factors
Investment property loans often use different underwriting assumptions than primary residence mortgages. Lenders may require larger down payments, stronger reserves, higher credit standards, and a rental income analysis before approving financing.
Use the amortization schedule to see how much of each payment goes to interest, principal, and remaining balance. Then pair this mortgage calculator with the rental cash flow and DSCR calculators to test whether the property income can support the debt service.
Educational Disclaimer
All calculations are estimates for educational and planning purposes only. PropertyFlowTools.com does not provide financial, tax, legal, lending, or investment advice. Verify calculations and consult qualified professionals before making property or financing decisions.
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Last reviewed: 2026