Secure The Funding · STF Tools Hub
Every Calculator.
One Place.
20 professional-grade financial calculators for mortgage qualification, tax strategy, wealth building, and real estate investment — built for every client profile.
20Calculators
7Professions
2Programs
∞Conversations
Qualify & Convert
Start every client conversation here
2 tools
Start Here
STF Client Qualifier
9-question quiz that routes any client to the right program. Detects Doctor Loan, VA, Hometown Heroes, DPA, and STF $1,600 lender credit eligibility automatically.
Business
Client Lifetime Value
What a single STF client relationship is worth over 10 years. Shows WH → WE pipeline compounding, referral value, and why acquisition is the only real bottleneck.
Wealth Hack
First-time buyers & renters ready to own
2 tools
Wake-Up Call
The Cost of Waiting
Shows renters exactly how much they've paid in rent with $0 equity built — vs. what their equity would be today if they'd bought. The pain number that closes conversations.
VA Loan
Veteran Wealth Hack
$0 down VA loan + BAH strategy + PCS rental conversion playbook + DSCR investment + cost seg. 5-tab system for veterans and active military.
Wealth Engine
Homeowners leveraging equity for investment
3 tools
HELOC
HELOC Velocity Calculator
All-in-one banking strategy. Shows how to use a HELOC to accelerate mortgage payoff, fund investment properties, and deploy equity at maximum velocity.
Tax Strategy
Dual-Income Tax Engine
W-2 household + cost seg depreciation + filing catchup + annual acquisition engine. Models buying 1 property per year with tax savings funding each down payment.
Long-Term
50-Year Wealth Engine
Traditional path vs. Wealth Engine strategy over 50 years. Both paths get a 401K — but one also builds a real estate portfolio. The compounding gap at year 50 is the closing argument.
Investor Toolkit
Deal analysis, DSCR, and rental strategy
5 tools
DSCR
DSCR Pre-Qualifier
Fast live DSCR ratio calculator with threshold bar, sensitivity table, and what-if optimizer. Run this on every investment property before the call — or live during it.
Fix & Flip
Fix & Flip Analyzer
Hard money financing, rehab budget, ARV, hold costs, sensitivity table, and 6 investor rule checks. Preloaded with real STF deals — 3811 SW 59 Ave ($101K profit, 363% ROI).
Rental Strategy
STR vs. LTR Analyzer
Short-term vs. long-term rental cash flow comparison with the STR tax loophole modeled — shows exactly how much W-2 income is eliminated when avg stay ≤7 days.
Deal Analysis
STF Deal Analyzer
Single deal analyzer plus bulk screener. Generates Claude and Chrome prompts for automated deal sourcing. Full ROI, cash flow, and equity projection.
Portfolio Engine
Medical Professional Wealth Engine
1 property per year + cost seg + tax savings funding each acquisition. 5-year compound model for dual-income medical households. Year-by-year acquisition loop.
By Profession
Specialized calculators for specific income profiles
7 tools
Doctor Loan
Physician Wealth Hack
$0 down doctor loan + DSCR investment + cost seg triple stack. The 20% not put down becomes the investment property down payment — Day 1 homeowner and investor.
Hometown Heroes
NP & PA Wealth Engine
Hometown Heroes grant up to $35K + STF $1,600 credits + DSCR investment + cost seg. Live eligibility check built in. The deploy-the-savings strategy for healthcare workers.
Triple Stack
Dentist Wealth Engine
Triple depreciation stack: investment property cost seg + dental equipment Section 179 + practice building. Doctor loan $0 down. Associate to multi-location owner presets.
DTI Problem
Attorney Wealth Engine
Student loans destroy DTI for conventional investment loans. DSCR makes them invisible. Shows the attorney DTI problem clearly, then solves it — with 10-year simulation.
SE Tax
Realtor Wealth Engine
The 15.3% SE tax problem that kills 1099 agents — and how REP status + DSCR + bank statement loans solve it. Includes bank statement loan vs. tax return comparison.
Bank Statement
Business Owner Wealth Engine
Bank statement vs. DSCR vs. conventional — 3 loan options with recommendation logic. Entity type selector. 10-year projection with business income growth built in.
Career Window
Pro Athlete Wealth Engine
Short earning window, peak income tax elimination, 1 DSCR property per career year. Shows monthly passive income at retirement vs. post-career income target. NFL/NBA/MLB/NHL presets.
Partner & Referral
Tools for realtor partnerships and business development
1 tool
Ready to run the numbers on your situation?
Start with the Client Qualifier — 9 questions, 2 minutes, and you'll know exactly which program and which calculators apply to you.
Start the Qualifier →