// multi-utility computation suite · offline · instant · precise
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finance.mortgage-vacancy-loss Calculator
Calculates the revenue impact of vacancy in a mortgage and property investment property scenario from vacancy rate, monthly rent, and stabilisation timeline. A 5% vacancy rate on a 10-unit building represents 6 days of lost rent per unit per year — vacancy is the primary income risk in rental real estate.
Inputs
Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Down
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Rate
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
Term
Reference formula or conversion factor shown for context.
Results
loan amount
The principal borrowed — the starting balance before any interest accrues.
monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
total interest
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.