BALTIMORE RATE & HOLDING-PERIOD DESK
Separate amortization, interest-only time and actual loan maturity.
34 tools. One connected workspace.
Investor & commercial
Separate the repayment amortization from the loan’s actual maturity.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-23.3Maturity must not exceed amortization. Fixed-rate mechanics only; underwriting, covenants, extensions, reserve requirements and fees are excluded.
Get help with my next step ↗Scheduled principal & interest
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
When contractual maturity is shorter than amortization, the periodic payments have not repaid all principal. This remaining balance is the modeled balloon.
Ask about your next step ↗THE LONG VIEW
YOUR COMPARISON TABLE
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
No scenarios saved on this device yet.
OPEN METHODS / BETTER QUESTIONS
Level monthly amortization follows any selected interest-only period; the balance at contractual maturity is the modeled balloon.
Maturity must not exceed amortization. Fixed-rate mechanics only; underwriting, covenants, extensions, reserve requirements and fees are excluded.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR NEXT STEP / MITEY U.S.
Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.
This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.