Run the numbers. Know the deal.

Yes. Every calculator in the toolkit is free, runs entirely in your browser, and asks for no login and no email. Whether you own multi-families, plan to flip, or are saving for a first home, you can model as many scenarios as you want — your numbers never leave your device.

It depends on your goal. Owners and investors start with the Buy & Hold Analyzer for acquisitions. Sellers use the Home Sale and Sale Analyzer for net proceeds and tax. First-time buyers and renters start with My Path to Homeownership. The toolkit pages group the right tools by audience so you land in the correct lane.

Yes. The calculator toolkit is a progressive web app, so on a phone or tablet you can open it and choose Add to Home Screen. It then launches full-screen like a regular app and works even without a connection, so you can run numbers at a showing or an open house with no signal.

No. Every calculation runs locally in your browser. Nothing you enter is uploaded, stored, or tied to an account. When you save a PDF, the file is generated on your device and downloaded directly to you, so your deal numbers stay private to you and whoever you choose to share the file with.

Yes. Each calculator has a Save as PDF button that produces a clean, Fortified-branded report with your inputs and results. Share it with a partner, a lender, or your CPA so everyone works from the same numbers. The export is built to be readable on its own without you explaining it line by line.

DSCR is the Debt Service Coverage Ratio — net operating income divided by the annual mortgage payment. A 1.25x DSCR means income runs 25% above the debt. Lenders use it to size investment loans, so the acquisition and refinance tools report it. Below 1.0x the property loses money each month and lenders will not fund it.

NOI is net operating income — gross rental income minus operating expenses such as taxes, insurance, repairs, management, and vacancy, but before the mortgage payment. It is the income figure lenders and buyers use to value and underwrite a property. Several calculators key off NOI, so entering accurate expenses matters more than any single rent number.

Yes. The Sale Analyzer works for both an investor exit and a homeowner sale, and the Store of Value tool fits residential or commercial holds. That is why the same calculator appears on more than one toolkit page — we surface each tool wherever it helps, so you do not have to hunt for the right one.

The math is exact — standard amortization, cap-rate, tax, and net-proceeds formulas. Accuracy depends on your inputs: soft numbers in mean soft numbers out. Treat each result as a rigorous starting point for a sharper conversation with your lender, CPA, or agent, not as a guarantee. Many tools include scenario tables so you can see a range.

No. The calculators are decision-support tools built by operators, not a substitute for professional advice. Capital gains, depreciation recapture, and loan terms turn on details specific to you. Use the output to frame better questions, then confirm the numbers with your CPA, attorney, and lender before you act on a purchase, sale, or refinance.

Fortified Realty Group, LLC — a tech-enabled property management and brokerage firm in Fall River, MA. We built these models to underwrite our own deals, then opened them up. David M. Ferreira, Owner / Designated Broker, MA Broker #9537412; company MA License #422173.

Call (508) 671-7228 or send a message through the site. Whether you are underwriting an acquisition, planning an exit, or saving for a first home, we are happy to walk through the numbers with you. David M. Ferreira, MA Broker #9537412, Fortified Realty Group, LLC.