Rate of Return Analysis
See the true investment return of paying points at 5, 10, 15, 20, 25, and 30-year milestones.
How Rate of Return Works
For each buydown option, the tool calculates both simple and compound interest returns at six time horizons. Think of your buydown cost as an investment — what return does it generate?
- Simple interest returns at 5, 10, 15, 20, 25, 30 years
- Compound interest returns at the same milestones
- Only shown for cost scenarios (not credit scenarios)
- Compare returns across all your rate options at once
Why This Matters
Buydown costs are really investments. By framing them as rate-of-return decisions, you can compare them to other uses of your capital (stocks, savings, more properties).
- Frame buydown decisions as investment returns
- Compare buydown ROI to other investment opportunities
- See how returns compound over the loan lifetime
Sample Output
See what this feature calculates for you.
Explore More Features
See everything Rate Buydown Calculator has to offer.
Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Rate of Return Analysis?
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