Calculated Industries Qualifier Plus IIIFX-Desktop Handleiding

Calculated Industries Rekenmachine Qualifier Plus IIIFX-Desktop

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Pagina 1/89

QUALIFIER LUSP®IIIFX

ADVANCED RESIDENTIAL REAL ESTATE FINANCE CALCULATOR

with and CASH FLOW COMPLETE BUYER QUALIFYING

Model 3430 • Qualifier Plus®IIIFX

Model 43430 • Qualifier Plus®IIIFX Desktop

USER S’ GUIDE — 1

The new QUALIFIER LUSP IIIFX was custom-designed for mortgage

lenders and residential real estate pro’s. With the push of a few but-

tons, it will quickly pre-qualify prospective buyers and solve hundreds

of mortgage loan problems! It also operates as an easy-to-use

financial calculator, with user-friendly cash flow keys for analyzing

real estate investments, and TVM keys to analyze retirement/savings

scenarios. It’s real estate andthe most complete easy-to-use and

finance calculator on the market!

Features:

• Easy and Complete Buyer Qualifying

• Find Qualifying Loan Amount, Income Required and

Maximum Allowable Debt

• Use Two Qualifying Ratios at Once to Compare Different

Loans (e.g., conventional vs. FHA/VA loans)

• Find the Restricted and Unrestricted Qualifying Loan Amount

• Instant P&I, PITI and Total Payment

• Interest-Only Payment

• Expanded Tax and Insurance Capabilities

• Built-in Sales Price and Down Payment

• Works in Annual Term and Interest

• Flexible, “what-if” Loan or TVM Calculations — Finds Loan

Amount, Term, Interest or Payment

• Future Value and Appreciation

• Complete Amortization

• Remaining Balances/Balloon Payments

• Adjustable Rate Mortgages (ARMs)

• APR and Total Finance Charges

• Bi-Weekly Loans

• Trust Deeds (investments)

• Date Math

• Also Works as a Standard Math Calculator

New!

• 1st and 2nd Trust Deeds (80:10:10/80:15:5), or Combo Loans

• APR, including Mortgage Insurance

• Beginning/End Mode

• Cash Flows/Investment Analysis (IRR, NPV, NFV)

• Income Tax Savings, Mortgage Interest Deduction

• Interest-Only Payments

• Loan-to-Value (LTV)

• Odd-Days Interest (ODI) & Month Offset

• Rent vs. Buy

• Retirement Savings

Introducing the QUALIFIER LUSP

IIIFX

Mortgage Loan Calculator

2 — QUALIFIER LUSP®IIIFX

GETTING STARTED..........................................................................5

KEY DEFINITIONS .........................................................................5

Basic Operation Keys ..................................................................5

Mortgage Loan (TVM) Keys.........................................................6

Tax, Insurance and Expense Keys ............................................10

Tax Savings Keys.......................................................................11

Rent vs. Buy Keys .....................................................................12

Qualifying Keys ..........................................................................12

1st & 2nd Trust Deeds (Combo Loan) Keys..............................15

Cash Flow Keys .........................................................................16

BASIC ARITHMETIC EXAMPLES ...............................................18

Arithmetic ...................................................................................18

Percent Calculations ..................................................................18

Figuring Straight Percent Commission ......................................18

Reduction in Listing Price (Discount %) ....................................19

Simple, 1-Year Home Appreciation (Add-on %).........................19

Date Examples...........................................................................20

CALCULATOR SETTINGS...........................................................21

Decimal Place Selection ............................................................21

Preference Settings ...................................................................22

MEMORY ......................................................................................24

Accumulative Memory................................................................24

Memory Storage Keys (M0-M5).................................................25

EXAMPLES......................................................................................27

MORTGAGE LOANS/TIME-VALUE-OF-MONEY (TVM) .............27

Finding the Monthly Mortgage (P&I) Payment...........................28

Finding the Loan Amount...........................................................28

Finding the Interest Rate ...........................................................28

Finding the Term of a Loan........................................................29

Paying Off a Mortgage Early (Making Larger Payments)..........29

Simple Interest vs. Compound Interest......................................30

Sales Price/Down Payment .......................................................30

Finding Loan Amount Based on Sales Price and Down

Payment..................................................................................30

Taxes and Insurance..................................................................31

Setting Tax and Insurance Percent Rates .................................32

Recalling Tax and Insurance Percent Rates..............................32

Setting Tax and Insurance Dollars .............................................32

Calculating Tax and Insurance Percent or Dollars.....................33

PITI Payment (Tax and Insurance Entered as Percent) ............34

TABLE OF CONTENTS

Product specificaties

Merk:	Calculated Industries
Categorie:	Rekenmachine
Model:	Qualifier Plus IIIFX-Desktop
Soort bediening:	Knoppen
Kleur van het product:	Zilver
Gewicht:	308 g
Breedte:	162 mm
Diepte:	35 mm
Hoogte:	229 mm
Soort:	Financiële rekenmachine
Stroombron:	Batterij/Accu
Vormfactor:	Desktop
Accu/Batterij voltage:	3 V
Ondersteund aantal accu's/batterijen:	1
Aantal toetsen:	45 toetsen
Levensduur accu/batterij:	3000 uur
Afdekzeil:	Nee
Cijfers:	9 cijfers
Beeldscherm kanteling:	Ja
Tekstregels:	- regels
Belasting berekening:	Ja
Automatische uitschakeling na:	12 min
Winst berekening:	Ja
Type beeldscherm:	LCD
Type batterij:	CR2032
Display met achtergrondverlichting:	Nee
Schermgrootte (display):	41 x 135 mm
Afmetingen scherm (HxV) (imperiaal):	1.6 x 5.3 "