Real Estate Calculators

Beth Silverman

Beth Silverman

Build Wealth With Beth  ·  Greater Tampa Bay

eXp REALTY®
Real Estate Calculators
Build Wealth. Buy Smart.

First-Time Buyer Calculator

Estimate your full monthly payment including taxes, insurance, and PMI.

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*Rate varies by FICO and lender. Check today's averages →  |  Tax lookup: pcpao.gov →

Monthly Payment Breakdown

Estimated Total Monthly Payment
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Principal & Interest,
Property Tax,
Homeowner's Insurance,
PMINot applicable
HOA,
Loan Amount
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Down Payment
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LTV
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Beth's Take: Understanding your purchasing power is the foundation of every smart buying decision. This tool gives you a real picture of what a payment looks like before you ever walk into a house. Use it as your guide. But numbers on a screen only tell part of the story. The strategy behind the purchase, the market conditions, the long-term play — that is where Beth comes in. Know your numbers. Then call her.

Ready to take the next step?

Let's talk about your buying strategy.

I'll show you how to buy smart, build equity, and create a plan for your financial future.

Book a Free Buyer Consultation →

Beth Silverman · eXp Realty · Greater Tampa Bay

Long-Term Rental Calculator

Analyze cash flow, cap rate, and cash-on-cash return for a traditional buy-and-hold investment.

Acquisition

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Investment/DSCR loan rates. Check current rates →

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Income

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Monthly Expenses

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Investment Analysis

Monthly Cash Flow
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Gross Monthly Rent,
Vacancy Loss,
Effective Gross Income,
Mortgage (P&I),
Tax + Insurance,
Property Management,
CapEx + Repairs,
Annual Cash Flow
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Cash-on-Cash
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Cap Rate
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Total Cash In
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💡 Beth's Take: Long-term rentals are the low and slow strategy of real estate investing. Minimal risk. Maximum long-term benefit. Your tenant pays down your mortgage, the asset appreciates, and the tax benefits stack year after year. This is the ideal starting point for a first-time investor in Greater Tampa Bay. You don't need to swing for the fences on your first deal. You need to get in, stay in, and let time do the heavy lifting.

Ready to build your rental portfolio?

Let's find your first investment property in Tampa Bay.

Beth knows the market, the neighborhoods, and the numbers. She'll help you buy the right deal at the right price.

Book a Free Investor Consultation

Beth Silverman · eXp Realty · Greater Tampa Bay

Short-Term Rental Calculator

Model your STR revenue, occupancy targets, and cash-on-cash return. Use local market comps and your lender to confirm your numbers before you buy.

Acquisition

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Check current rates →

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Revenue Assumptions

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Expenses

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STR Analysis

Monthly Cash Flow
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Annual Gross Revenue,
Platform / Mgmt Fees,
Net Revenue,
Annual Mortgage,
Tax + Insurance,
Cleaning + Utilities,
Annual Cash Flow
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Cash-on-Cash
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Break-Even Occ.
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Revenue / Night
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💡 Beth's Take: Short-term rentals reward the strongest operator. The asset is the same as any other house on the block. What separates the investors who win is execution: the right design, the right pricing strategy, the right reviews. This strategy is ideal for high-income earners who need to offset their tax liability, second home buyers who want their property working while they're not in it, and investors who want personal use to be part of their return on investment. You don't have to choose between enjoying the property and making money on it. That's the play.

Ready to run a winning short-term rental?

Let's find the right property and the right strategy for you.

Beth works with STR investors across Greater Tampa Bay. She knows what performs and what doesn't before you buy.

Book a Free Investor Consultation

Beth Silverman · eXp Realty · Greater Tampa Bay

PadSplit Calculator

Model your co-living investment , room count, weekly rates, PadSplit platform fees, and all-in cash flow.

Acquisition

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Check current rates →

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Room Revenue

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Monthly Operating Expenses

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PadSplit Analysis

Monthly Cash Flow
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Gross Monthly Room Income,
Vacancy Loss,
PadSplit Platform Fee,
Net Room Income,
Mortgage (P&I),
Tax + Insurance,
Utilities + Operations,
Annual Cash Flow
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Cash-on-Cash
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Income vs LTR
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Total Cash In
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💡 Beth's Take: With over 250 units on the platform in the Tampa Bay market, Beth knows what it takes to achieve 2X returns on PadSplit. The numbers are one piece of it. The right property, the right conversion, the right operator behind it is everything. If you want to do this right, you need someone who has already done it at scale.

Income Per Room

Want to run PadSplit the right way?

Beth has 250+ PadSplit units in Tampa Bay. She'll show you exactly how.

The right property, the right conversion, the right operator behind it. That is the entire strategy.

Book a Free Investor Consultation

Beth Silverman · eXp Realty · Greater Tampa Bay

Disclaimer: These calculators are for educational and informational purposes only. Results are estimates based on the inputs you provide and do not constitute financial, investment, or legal advice. Consult a licensed lender, financial advisor, and/or tax professional before making any investment decisions. Beth Silverman | eXp Realty | FL Real Estate License Active | buildwealthwithbeth.com

Want Beth to run YOUR numbers?

These calculators get you close. I get you exact, down payment, monthly payment, and the wealth play most agents miss. Drop your info and I'll personally reach out.

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