Insulation Savings
About Insulation
What this tool does
Real estate tools estimate property taxes, calculate rental yield and cap rate, determine mortgage affordability, project closing costs, model home equity growth, and compare rent-vs-buy scenarios.
Why use this tool
Real estate is the largest purchase most people make. Understanding the true cost of ownership, including taxes, insurance, maintenance, and opportunity cost, requires more math than a back-of-napkin estimate can provide.
How it works
Mortgage calculators use standard amortization schedules. Cap rate divides net operating income by property price. Rent-vs-buy models compare cumulative costs over a configurable time horizon, factoring in appreciation, tax deductions, and investment returns.
Pro tip
Do not forget maintenance costs when evaluating rental yield. A common rule of thumb is 1% of property value per year, but older properties may need 2% or more.
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