## Mortgage Amortization Table - Calculator

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Real estate...

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Illustration of how the band of investments cap rate is calculated....

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Example shows a 1-1 ARM (Adjustable Rate Mortgage). In this example, after the first year, the interest rate adjusts once per year, subject to annual and life of loan interest rate caps....

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(See other video for explanations of EBC, LY, APR, and how to calculate each in Excel)...

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Lender's yield = Lender's IRR on the mortgage Borrower's effective borrowing costs = Borrower's true cost of the mortgge APR = EBC when held to maturity (no prepayment)...

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Using NPV (Excel & financial calculator) to decide whether to refinance....

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Decomposing the refinance NPV calculation into the benefits due to monthly savings and the savings in the outstanding mortgage balance...

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Quick tour of the primary functions of the calculator...

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Example uses Case Shiller index...

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RE DCF value calculation using uneven cash flows in Excel and on your financial calculator...

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4QM...

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