RealtyPal Mortgage & Deals

About RealtyPal Mortgage & Deals

RealtyPal is two calculators in one app: the mortgage math every homebuyer runs, free, and the deal math every real estate investor runs before making an offer.

MORTGAGE CALCULATOR
Monthly payment with principal, interest, taxes, insurance and PMI. See the true cost of a loan before a lender does the seeing for you.

AMORTIZATION SCHEDULE
The full payoff, payment by payment. Add extra payments or switch to biweekly and watch the interest and the years fall off.

AFFORDABILITY, REFINANCE, RENT VS BUY
What you can afford at your income and rate, where the break-even sits on a refinance, and an honest rent versus buy comparison.

RENTAL PROPERTY ANALYZER
Run a property the way a lender reads it: cap rate, net operating income, cash flow, cash-on-cash return and debt service coverage, projected over the years you plan to hold.

BRRRR, FLIP & WHOLESALE
Analyze a BRRRR deal stage by stage. Run a house flip with a rehab budget, an after-repair value and the 70% rule. Work out a wholesale offer, closing costs, and what a seller actually nets.

SAVE, COMPARE, SEND
Save the deals you are working, put them side by side, and export a deal sheet you can send a lender or a partner.

OFFLINE BY DESIGN
- Runs entirely on the device. No signal needed, no account, no sign-up
- Nothing you enter is sent anywhere. Your numbers stay on your phone
- One small banner on the home screen, and never on a calculator. Pro removes it

FREE AND PRO
The mortgage side is free forever: payment, amortization, extra payments, affordability, refinance and rent versus buy. Pro unlocks the investor analyzers, saved deals, comparisons and deal sheet export, and takes the banner away.

NOT FINANCIAL ADVICE
RealtyPal is a calculator, not an advisor, an appraiser or a lender. Every figure is an estimate from the numbers you enter. Verify rents, taxes, insurance, rehab costs and loan terms yourself, and talk to a licensed professional before you buy anything.