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Real Estate IntelligencePrimary Home Evaluator
Analyze a property as your primary residence: see true monthly costs and buying vs. renting economics.
Property Details
First time buying? Read our step-by-step guide →Have you been pre-approved for a mortgage?
Pre-approval tells you the exact loan amount a lender will give you based on your income, credit score, and debts. Without it, you might analyze homes outside your real budget. Most sellers won't consider offers from buyers who aren't pre-approved.
Varro has pre-filled estimates for you, confirm your numbers for a more accurate analysis.
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Loan Type
Credit Score Range
(optional)Rate adjustment based on industry loan-level pricing data. Your actual rate depends on your lender, down payment, debt-to-income ratio, and full credit profile.
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20.0% of purchase price
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Current 30-yr average
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Estimated, adjust if known
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Long-term plan
Do you plan to eventually move out and rent this property?
Multi-family property
Is this a 2 to 4 unit property where you'll live in one unit?
Investment Score
85Strong Deal
Weak
Moderate
Strong
Price-to-Rent
Down Payment
Rate vs. Market
Strong deal. Move with confidence on this property.
Score Breakdown
Financial85: Exceptional
LocationAwaiting data
ConditionAwaiting data
Unlock score breakdown with Varro Plus
Analysis Results
Your true monthly cost (PITI)
$3,029/mo
P&I $2,402 · Tax $401 · Ins $225
Principal, Interest, Tax & Insurance based on your inputs.
↑ $87/mo vs. when you started ; rate is 0.36% higher
How Much Do You Need To Earn?
Minimum
Technically affordable, no cushion
$10,817/mo
$129,804/yr
Comfortable
Room for savings, food, and life
$12,115/mo
$145,380/yr
Financial Freedom
Wiggle room for investments, travel, and emergencies
$15,143/mo
$181,716/yr
Based on your PITI cost of $3,029/mo. These are gross (pre-tax) income figures.
Cost vs. Renting
Renting a comparable home is cheaper
$229/mo more to buy
Break-Even Timeline
Buying beats renting after 8 years
Based on 3% home appreciation and 3% annual rent growth
- Cost of Buying
- Cost of Renting
Year 1
What this means: if the chart shows break-even at Year 8, staying longer than 8 years means buying is the better financial choice. Leaving before Year 8 means renting would have been cheaper overall.
📊
Full break-even chart requires Varro Plus
See year-by-year cost of buying vs renting and exactly when buying wins.
Down payment opportunity cost
Your $90,000 invested at 7%/yr would grow to $154,637 in 8 years
vs. $157,702 in home equity over the same periodReal estate wins
S&P 500 historical average return. Not a guarantee of future performance.
Total Interest Paid
Over 30 years
$504,845
Own vs. owe (LTV)
80.0%
Cash needed at closing (Closing Costs)
Closing costs + agent commission
$22,500
How Your Loan Pays Down Over Time (Amortization)
Monthly Payment
$2,402
Principal & Interest
Paid Off
September 2056
Final payment date
Lifetime Interest
$504,845
More than purchase price
Year 1: $25.2k goes to interest; $3.6k builds equity
- Equity Built
- Remaining Balance
Year 1
↑ Crossover point: Year 19
📈
Full amortization chart requires Varro Plus
See exactly when your payments shift from paying interest to building equity.
Extra Payment Simulator
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Years Saved
0 yrs
Interest Saved
$0
🔓
Unlock with Varro Plus
Simulate extra payments and see exactly how much time and interest you save.
| Year | Annual Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $28,828 | $3,636 | $25,192 | $356,364 |
| 2 | $28,828 | $3,900 | $24,928 | $352,464 |
| 3 | $28,828 | $4,183 | $24,645 | $348,281 |
| 4 | $28,828 | $4,487 | $24,341 | $343,795 |
| 5 | $28,828 | $4,812 | $24,016 | $338,982 |
| 10 | $28,828 | $6,832 | $21,996 | $309,142 |
| 15 | $28,828 | $9,700 | $19,128 | $266,777 |
| 20 | $28,828 | $13,772 | $15,056 | $206,630 |
| 25 | $28,828 | $19,553 | $9,275 | $121,237 |
| 30 | $28,828 | $27,760 | $1,068 | $0 |
Unlock with Varro Plus
See the full year-by-year breakdown.
Analysis Strength
Quick Estimate
Basic
Good
Detailed
More confirmed fields = more accurate score.
✦ AI-Powered Deal Analysis
AI analysis tailored to this property and your numbers.
What you'll get
- →Whether this property is fairly priced for this market
- →True monthly cost breakdown beyond the mortgage
- →Risk factors to consider before buying
- →Actionable tips to improve your position
Property & Revenue Details
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$
Estimated. Adjust if known
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25.0% of purchase price
%
Current 30-yr average
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%
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Estimated. Adjust if known
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Estimated. Adjust if known
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Simple Mode hides advanced fields. Switch to Advanced for full control.
Investment Score
92Strong Deal
Weak
Moderate
Strong
Strong deal. Move with confidence on this property.
Score Breakdown
FinancialAwaiting data
LocationAwaiting data
ConditionAwaiting data
Unlock score breakdown with Varro Plus
Analysis Results
Annual Revenue
$57,831
Net Operating Income
Revenue minus all expenses
$40,676/yr
Cash-on-Cash Return
NOI / Total Cash Invested
26.82%
Cap Rate
NOI / Total Property Cost
12.71%
Gross Rent Multiplier
Total Cost / Annual Revenue
5.53x
Estimated Closing Costs
Based on purchase price
$6,400
✦ AI-Powered Deal Analysis
AI analysis tailored to this property and your numbers.
What you'll get
- →Cash flow and ROI assessment for this property
- →Rental income viability for this market
- →Risk factors and red flags to watch
- →Tips to improve the deal's performance
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VARRO © 2026. AI-generated estimates only. Always get a professional home inspection and consult a licensed real estate professional before purchasing. Results may not reflect actual market conditions.