Instruction/ maintenance manual of the product Qualifier Plus IIIFX-Desktop Calculated Industries
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Q UALIFIER P LUS ® III FX ADV ANCED RESIDENTIAL REAL EST A TE FINANCE CALCULA TOR with CASH FLOW and COMPLETE BUYER QUALIFYING Model 3430 • Qualifier Plus ® III FX Model 43430 • Qualifier Plus .
U SER ’ S G UIDE — 1 The new Q UALIFIER P LUS III FX 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 pro.
2— Q UALIFIER P LUS ® III FX GETTING ST ARTED ..........................................................................5 KEY DEFINITIONS .........................................................................5 Basic Operation Keys ..............
U SER ’ S G UIDE — 3 T otal Payment (Including Expenses) and Interest-Only Payment ..................................................................................34 Amortization and Remaining Balance ........................................35 Notes on Amortization .
4— Q UALIFIER P LUS ® III FX Qualifying Loan Amount and Sales Price (Complete Example Including Down Payment, T ax/Insurance, Monthly Association Dues) ......................................................................................61 “Restricted” Qualifying .
U SER ’ S G UIDE — 5 KEY DEFINITIONS Basic Operation Keys O T urns all power off. The Memory and most financial registers are cleared. o If off, turns power on. If on, a single press clears the last entry while a second press in succession clears all non-permanent registers.
6— Q UALIFIER P LUS ® III FX s – Change Sign (+/–) — Changes the sign of the dis- played value from positive to negative or vice versa. s x Clear All — Clears all entered values and returns any stored values to their default settings. Use this only with caution, as it will reset ratios, periods per year , etc.
U SER ’ S G UIDE — 7 ˆ Interest — Enters or solves for the annual interest rate. Second press gives the periodic rate. Note : Stored permanently , until you change it. s l Future V alue (FV) — Enters or solves for the future value of a financial problem.
8— Q UALIFIER P LUS ® III FX a Amortization (Amort) — Finds total interest, princi- pal, remaining balance, remaining term and estimat- ed mortgage interest tax deduction.
U SER ’ S G UIDE — 9 A Adjustable Rate Mortgage — Calculates the pay- ment and re-amortizes a fully or partially amortized Adjustable Rate Mortgage based on the inputs of both an Interest Adjustment and a T erm Adjustment, which are entered using the Colon : key ( Interest Adjustment : T erm Adjustment ).
10 — Q UALIFIER P LUS ® III FX T ax, Insurance and Expense Keys In addition to Qualifying, the following keys are also involved in PITI or total payment calculations (e.g., they are added to the monthly payment): s 7 Property T ax (T ax) — Used for calculating PITI and T otal payment, and Qualifying.
U SER ’ S G UIDE — 11 (Cont’d) Note : Entering a number equal to or less than 10 is assumed to be an annual percent. Mortgage insurance is calculated from the loan amount. Note : T ax and Insurance entered as dollar amounts will remain fixed, even if sales price or loan amount is changed.
12 — Q UALIFIER P LUS ® III FX Rent vs. Buy Keys s P Rent vs. Buy — Calculates a comparable sales price, loan amount, and mortgage payment versus the cost of monthly rent. Y ou must enter loan vari- ables (and a tax bracket via s + ), then enter the prospective buyer ’s current rent and press s P .
U SER ’ S G UIDE — 13 (Cont’d) DEBT RA TIO = T OT AL HOUSING EXPENSE + MO. DEBT GROSS MONTHL Y INCOME Note : T ypically , when figuring government loans (FHA/V A), these formulas also include estimated expenses for maintenance and utilities (added to the T otal Housing Expense for both ratios).
14 — Q UALIFIER P LUS ® III FX (Cont’d) *Note: The Maximum Qualifying Loan Amount is the “restricted” loan amount the buyer may qualify for . This loan amount is based on whichever of the two ratios — income or debt — limits the buyer the most.
U SER ’ S G UIDE — 15 1st & 2nd T rust Deeds (Combo Loan) Keys The Combo Loan keys show the savings of obtaining a 1st and 2nd trust deed (TD) loan over a single, fixed-rate loan where mortgage insurance, or private mortgage insurance (MI), is required.
16 — Q UALIFIER P LUS ® III FX (Cont’d) Press Display or Calculation 1 Combo Loan Combined (Blended) Interest Rate 2 Equivalent Interest Rate of Fixed Rate Mortgage with Mortgage Insurance 3 Comb.
U SER ’ S G UIDE — 17 s c Frequency (Freq) —The second function of this key labels a cash flow that is repeated consecutively , or grouped (e.g., if a cash flow is repeated three times i n a row , first enter the cash flow value into the c key , then enter the frequency , or number of occur- rences ( 3 s c ).
18 — Q UALIFIER P LUS ® III FX BASIC ARITHMETIC EXAMPLES Arithmetic This calculator uses standard chaining logic, which simply means that you enter your first value, the operator ( + , – , x , ÷ ), the sec- ond value and then the equals sign ( = ).
U SER ’ S G UIDE — 19 Reduction in Listing Price (Discount %) A nervous seller has had her property on the market for just over four months listed at $175,500. Because she is anxious to move into a new home, she wishes to reduce the listing price by 5%.
20 — Q UALIFIER P LUS ® III FX Date Examples Using the : key , you can quickly solve common real estate date problems: escrow or closing dates, listing expiration dates, and the number of days prepaid interest, etc. Y ou enter a date as follows: Numerical Month : , Numerical Day : and two-digit Numerical Y ear .
U SER ’ S G UIDE — 21 CALCULA T OR SETTINGS Decimal Place Selection With the s key , you have the option of selecting the number of decimal places you’d like to display . The values are rounded using conventional 5/4 rounding. Y ou can do this prior to finding an answer or afterwards.
22 — Q UALIFIER P LUS ® III FX Preference Settings Y our calculator has a Preference Mode, which allows you to program the calculator to various settings. For example, it lets you store cer- tain values permanently , display certain values, or show values in a specific order .
U SER ’ S G UIDE — 23 (Cont’d) After s , Keep Description Pressing (Press + to Advance = : Display within each category , – to Back up): 4 Mortgage Insurance (MI) - Clr-Clr M Ins — Clears mortgage insurance (% and $) upon o o . (Default) - Clr OFF M Ins — Clears mortgage insurance (% and $) at O .
24 — Q UALIFIER P LUS ® III FX MEMOR Y Accumulative Memory Whenever the μ key is pressed, the displayed value will be added to cumulative Memory . This value will remain in Memory until cleared or when the calculator is turned off.
U SER ’ S G UIDE — 25 Memory Storage Keys (M0-M5) In addition to the standard cumulative Memory (as described above), your calculator has six independent Storage Registers — M0 through M5 — that can be used to permanently store single, non- cumulative values.
26 — Q UALIFIER P LUS ® III FX Additional Memory Storage Keys (M10-M19) In addition to M0-M5 (as described previously), your calculator has ten additional independent Storage Registers — M10 through M19 — that can also be used to permanently store single, non-cumulative values.
U SER ’ S G UIDE — 27 MORTGAGE LOANS/TIME-V ALUE-OF-MONEY (TVM) 1. The basic loan keys — l , p , T and ˆ — work just like you would say them. For example, if you want to borrow $100,000 for 30 years at 10% interest, just enter those three known variables and press the key for the unknown fourth vari- able: p .
28 — Q UALIFIER P LUS ® III FX Finding the Monthly Mortgage (P&I) Payment Find the monthly P&I (principal and interest) payment on a 30-year , fixed-rate mortgage of $265,000 at 6.75% annual interest. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
U SER ’ S G UIDE — 29 Finding the T erm of a Loan How long does it take to pay off a loan of $15,000 at 10% interest if you make payments of $200 each month? STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.00 Enter Loan Amount 1 5 ) l 15,000.00 Enter annual Interest rate 1 0 ˆ 10.
30 — Q UALIFIER P LUS ® III FX Simple Interest vs. Compound Interest If you borrow $5,000 at 6% simple interest, how much will you owe at the end of 5 years? Note : This is a simple math problem and does not require the use of TVM keys. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
U SER ’ S G UIDE — 31 T axes and Insurance This calculator has keys that store your estimated local annual Property T ax, Property Insurance, and Mortgage Insurance (if appli- cable) rates or dollar figures. This allows you to calculate the PITI (Principal, Interest, T ax, and Insurance) payment, in addition to the regular P&I payment.
32 — Q UALIFIER P LUS ® III FX Setting T ax and Insurance Percent Rates Enter an annual property tax rate of 1.5%, a property insurance rate of 0.25%, and a mortgage insurance rate of 0.50%: STEPS KEYSTROKES DISPLA Y Set property tax rate 1 • 5 s 7 1.
U SER ’ S G UIDE — 33 Calculating T ax and Insurance Percent or Dollar If loan variables are entered in addition to tax and insurance per- centage rates or dollar values, the respective dollars values or per- centage rates can be computed by simply pressing the applicable keys a second time.
34 — Q UALIFIER P LUS ® III FX PITI Payment (T ax and Insurance Entered as %) Find the monthly PITI payment on a 30-year , 6.5% mortgage if the home’s selling price is $325,000 and the down payment is 5%. Annual property taxes are estimated at 1.
U SER ’ S G UIDE — 35 Amortization and Remaining Balance The amortization function is quick and simple. It allows you to find total interest, principal, and remaining balance for an entire loan, for an individual payment or individual year , or any range of payments or range of years, for fully or partially amortized loans.
36 — Q UALIFIER P LUS ® III FX (Cont’d) 6. If the first payment of a loan begins in a month other than January , you can use the Month Offset function. The default for this setting is 1 (for January). T o change the start month from January , enter the month number (e.
U SER ’ S G UIDE — 37 T otal Principal and Interest for a 30-Y ear Loan How much total interest will you pay on a $300,000 loan at 7.5% interest over 30 years? What is the total principal and interest paid? STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
38 — Q UALIFIER P LUS ® III FX Amortization List for Individual Y ear(s) — Using “Next” Feature How much total interest and principal will you pay on a 30-year , $90,000 loan at 8% interest during the first year? The second year? Third year , etc.
U SER ’ S G UIDE — 39 Amortization List for Individual Y ear(s) — Using Month Offset The first payment of a loan begins in May . How much total interest and principal will you pay on a 30-year , $90,000 loan at 8% interest during the first year? The second year? Third year , etc.
40 — Q UALIFIER P LUS ® III FX Amortization List for Individual Payment(s) For a $175,000 loan at 6.85% interest for 30 years, find out how much interest and how much principal you’ll pay in the first and sec- ond payments. Note : Use the s b keys to specify payments (periods).
U SER ’ S G UIDE — 41 Amortization List for a Range of Payments For a $225,000, 30-year loan at 7.4% interest, find how much inter- est and principal you'll pay in payments 1-9. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.00 Enter Loan Amount 2 2 5 ) l 225,000.
42 — Q UALIFIER P LUS ® III FX Bi-Weekly Loans Y our calculator includes a Bi-W eekly loan function ( s T ) which allows you to convert established, fully amortized monthly loans into Bi-Weeklies (in which one-half the monthly payment is made every two weeks).
U SER ’ S G UIDE — 43 (Cont’d) Now Solve for the Bi-Weekly Loan and Compare Interest Savings and T otal Interest/Principal Paid: STEPS KEYSTROKES DISPLA Y Find Bi-Weekly T erm s T “run” 24.60 Find total interest savings T 65,430.46* Find total interest paid T 245,508.
44 — Q UALIFIER P LUS ® III FX Retirement Savings Account Problem (Future V alue of an Initial Deposit or Lump Sum) If you invest $50,000 today into an IRA with an 8% yield (compound- ed monthly), what is the future value in 25 years? What will it be worth in 30 years? STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
U SER ’ S G UIDE — 45 (Cont’d) Find future value in 30 years: STEPS KEYSTROKES DISPLA Y Enter T erm in years 3 0 T 30.00 Recalculate value in 30 years s l -613,543.
46 — Q UALIFIER P LUS ® III FX Finding a Quarterly Payment Find the quarterly P&I payment on a ten-year loan of $15,000 with an annual interest rate of 12%. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.00 Set to four payments/year 4 s ÷ 4.
U SER ’ S G UIDE — 47 Finding the Y ield on a Discounted Note An individual wants to sell you a note under the following terms: 60 months remaining in the term, a face amount when due of $7,500, 10% interest-only payments of $62.50 (incoming). He says he will sell this note to you for $6,500 if you buy today .
48 — Q UALIFIER P LUS ® III FX Finding the V alue and Discount of a T rust Deed Determine the value and discount required for a $75,000 mortgage, payable at $937.50 per month, bearing interest at 1 1% per year , due in seven years. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
U SER ’ S G UIDE — 49 APR and T otal Finance Charges Calculating the Annual Percentage Rate (APR) and T otal Finance Charges (TFC) is performed in two steps: (1) you set up the loan just like any other problem (that is, enter three known variables and solve for the fourth) and (2) combine points and fees and press s ˆ (APR) to solve APR.
50 — Q UALIFIER P LUS ® III FX Prepaid/Odd-Days Interest and APR Find the monthly payment on a $100,000 loan at 8.25% annual interest and 30-year term. Then, find the amount of odd-days inter- est, or “prepaid” interest due, if the escrow closes on 7/21/03 and the first payment is due 8/1/03.
U SER ’ S G UIDE — 51 Adjustable Rate Mortgages Using the A key , you can quickly find the “adjusted” (increasing or decreasing) payments for future years on fully and partially amor- tized Adjustable Rate Mortgages. Here are some notes on Solving ARM loans using this calculator: 1.
52 — Q UALIFIER P LUS ® III FX ARM Payment — Worst-Case Scenario Find the initial monthly P&I payment on a 30-year , $176,000 mortgage at 8.25% annual interest rate, and then find the second and third year's “worst-case” adjusted payments if this ARM loan increases 1% at the end of each year .
U SER ’ S G UIDE — 53 ARM Payment — Using Lifetime Cap Using the previous mortgage, add a lifetime cap of 4% and find the adjusted payments through year six. Y ou will need to re-enter the loan amount, term and interest. STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
54 — Q UALIFIER P LUS ® III FX Decreasing ARM Payment Calculate the initial monthly P&I payment on a 30-year , $250,000 ARM loan at 5% interest, and then find the second and third years' adjusted payments if the loan's interest rate decreases 1% at the end of each year .
U SER ’ S G UIDE — 55 Estimated Income T ax Savings and “After-T ax” Payment Important Note: This example estimates the annual tax savings (including property tax and mortgage interest). It is important to inform your clients to consult a tax advisor for an accurate income tax deduction computation for their particular tax situation.
56 — Q UALIFIER P LUS ® III FX Rent vs. Buy If your client is currently renting a home for $1,250/month, what is the comparable home sales price and loan amount that he or she could afford? What is the estimated annual and monthly income tax savings, if they were to finance this mortgage? The current rate is 7.
U SER ’ S G UIDE — 57 BUYER PRE-QUALIFYING The Qualifying keys were designed specifically for mortgage lenders/brokers, for doing instant pre-qualifications on the phone or in front of clients. Real estate agents/brokers can also quickly pre- qualify clients so they can show them homes in their affordable price range.
58 — Q UALIFIER P LUS ® III FX (Cont’d) 4. When calculating Qualifying Loan Amount (based on entered buyer's data, term, interest and stored qualifying ratios), succes- sive presses of the q.
U SER ’ S G UIDE — 59 QUALIFYING EXAMPLES Most of the examples in this section will be based on the default Income and Debt Ratios of 28% and 36%, respectively , which are stored in the q key . Recalling Income/Debt Qualifying Ratios Recall stored 28%-36% and 29%-41% ratios: STEPS KEYSTROKES DISPLA Y Clear calculator o o 0.
60 — Q UALIFIER P LUS ® III FX Finding Qualifying Loan Amount and Sales Price (Simple Example Excluding T ax/Insurance) Given an interest rate of 7.
U SER ’ S G UIDE — 61 Qualifying Loan Amount and Sales Price (Complete Example Including Down Payment, T ax/Insurance, Monthly Association Dues) The same buyers as in the previous example (who make $75,000 annually and have $500 in long-term monthly debt) wish to buy a lower-priced home and can only put $5,000 down.
62 — Q UALIFIER P LUS ® III FX “Restricted” Qualifying Buyers who make $68,000 annually and have $750 in long-term monthly debt wish to buy a home offered at $175,000. They can only afford $5,000 for the down payment. For what maximum loan amount can they qualify? (Use previously stored 7.
U SER ’ S G UIDE — 63 (Cont’d) “Unrestricted” Qualifying The amount calculated in the previous example is the loan they may qualify for , based on current income and debt and the standard 28%-36% qualifying ratios.
64 — Q UALIFIER P LUS ® III FX Qualifying Comparison (Comparing 2 Different Loans or Ratios at Once) Given a buyer's annual income of $60,000, $500 in long-term monthly debt, estimated monthly homeowner ’s association dues of $50, an interest rate of 6.
U SER ’ S G UIDE — 65 Finding Income Required and Allowable Monthly Debt Using the 28%:36% ratios, how much income would a buyer need to finance a $250,000 home if they put 20% down? What is the maxi- mum allowable debt? What is the $ down payment and loan amount? What is the monthly payment? Use 6.
66 — Q UALIFIER P LUS ® III FX Solving for Actual Qualifying Ratios A buyer who makes $120,000 annually and has $550 in long-term monthly debt wants to borrow $275,000 to purchase a home. He has $68,750 for the down payment and the property tax/insurance rates are estimated at 1.
U SER ’ S G UIDE — 67 1ST AND 2ND TRUST DEEDS (COMBO LOANS) Y our calculator also figures Combo loans, or 1st and 2nd T rust Deeds, which are common financing options for clients with smaller down payments, who want to avoid mortgage insurance.
68 — Q UALIFIER P LUS ® III FX Combo Loan (80:10:10) vs. Fixed-Rate Loan with Mortgage Insurance Y ou’d like to show your client the savings of a fixed-rate Combo Loan (80:10:10) over that of a standard, fixed-rate loan with mort- gage insurance.
U SER ’ S G UIDE — 69 (Cont’d) STEPS KEYSTROKES DISPLA Y 3. Find 80:10:10 Combo Loan and Comparison V alues (vs. Fixed- Rate Loan with Mortgage Insurance): Find 1st:2nd combined (blended) interest rate * “run” 7.23 Find equivalent interest rate of single, fixed-rate loan with MI * “run” 7.
70 — Q UALIFIER P LUS ® III FX Combo Loan (80:15:5) vs. Fixed-Rate Loan with Mortgage Insurance Y ou’d like to show your client the savings of a fixed-rate Combo Loan (80:15:5) over that of a standard, fixed-rate loan with mortgage insurance.
U SER ’ S G UIDE — 71 (Cont’d) STEPS KEYSTROKES DISPLA Y 3. Find 80:15:5 Combo Loan and Comparison V alues (vs. Fixed- Rate Loan with Mortgage Insurance): Find 1st:2nd blended interest rate s * “run” 7.33 Find equivalent interest rate of single, fixed-rate loan with MI * “run” 7.
72 — Q UALIFIER P LUS ® III FX Combo Loan — Entering a New L TV Y ou’d like to show your client the savings of a fixed-rate Combo Loan (90:5:5) over that of a standard, fixed-rate loan with MI.
U SER ’ S G UIDE — 73 (Cont’d) STEPS KEYSTROKES DISPLA Y 3. Find 90:5:5 Combo Loan and Comparison V alues (vs. Fixed-Rate Loan with Mortgage Insurance): Enter L TV and find 1st:2nd blended interest rate 9 0 : 5 * “run” 7.1 1 Find equivalent interest rate of fixed-rate loan with MI * “run” 7.
74 — Q UALIFIER P LUS ® III FX Finance Mortgage Insurance compared to a Combo Loan Financed Mortgage Insurance loans allow for higher than 80% L TV on a straight first loan because the Mortgage Insurance added to the loan amount. Another benefit to the Financed MI loan is the interest is tax deductible.
U SER ’ S G UIDE — 75 (Cont’d) STEPS KEYSTROKES DISPLA Y 4. Enter Combo Loan V alues: Enter 1st TD Interest:T erm 6 : 3 0 ! 6.00-30.00 Enter 2nd TD Interest:T erm 8 : 3 0 s ! 8.00-30.00 5. Solve Combo Loan for comparison: Find 1st:2nd blended interest rate * “run” 6.
76 — Q UALIFIER P LUS ® III FX CASH FLOW EXAMPLES Y our calculator has easy-to-use cash flow keys for performing real estate investment, or cash flow analysis. Cash Flow Entry The Cash Flow key can store up to 20 sequential, semi-permanent cash flows, including an Initial Investment, along with their corre- sponding Frequencies.
U SER ’ S G UIDE — 77 IRR, NPV , and NFV Functions The R key is multifunctional, and consecutive presses calculate: • the annual Internal Rate of Return (IRR%); • the Net Present V alue (NPV) .
78 — Q UALIFIER P LUS ® III FX Calculating IRR, NPV , and NFV for Annual Cash Flows A real estate investor wishes to purchase/finance a piece of property for $225,000. He’d like a return of 9% and expects to sell it after five years for $275,000.
U SER ’ S G UIDE — 79 Calculating IRR, NPV , and NFV for Monthly Cash Flows A real estate investor wishes to purchase/finance a piece of property for $225,000. She’d like a return of 10% and expects to sell it after five years for $275,000. She expects the monthly cash flows below .
80 — Q UALIFIER P LUS ® III FX (Cont’d) Recalling and Replacing Cash Flows STEPS KEYSTROKES DISPLA Y 1) Recall all cash flows and frequencies: Initial Cash Flow ® c C-0 -225,000.00 1st Cash Flow c C-1 1,000.00 1st Cash Flow frequency c F-1 12.00 2nd Cash Flow c C-2 1,100.
U SER ’ S G UIDE — 81 Default Settings Performing a total Reset (see below) will return the calculator to the following default settings: • T wo Fixed Decimal Places • 12 Periods per Y ear = R.
82 — Q UALIFIER P LUS ® III FX Auto Shut-Off Y our calculator is designed to shut itself of f after about 8-12 minutes of non-use. Batteries • Qualifier Plus III FX (#3430) T wo LR-44 batteries. • Qualifier Plus III FX Desktop (#43430) One 3-V olt Lithium CR-2032 battery .
U SER ’ S G UIDE — 83 Repair and Return W arranty , Repair and Return Information! Return Guidelines: 1. Please read the Warranty in this User ’s Guide to determine if your Calculated Industries product remains under warranty before calling or returning any device for evaluation or repairs.
84 — Q UALIFIER P LUS ® III FX Non-W arranty Repair Service – U.S.A. Non-warranty repair covers service beyond the warranty period, or service requested due to damage resulting from misuse or abuse. Contact Calculated Industries at the number listed above to obtain current product repair information and charges.
U SER ’ S G UIDE — 85 Legal Notes This equipment has been certified to comply with the limits for a Class B computing device, pursuant to Subpart J of Part 15 of FCC rules. Software copyrighted and licensed to Calculated Industries, Inc., by Real Estate Master T echnologies, LLC, 2007.
86 — Q UALIFIER P LUS ® III FX 1ST AND 2ND TRUST DEEDS (COMBO LOANS), 67 1st/2nd TD (Combo Loan) Keys, 15 Actual Qualifying Ratios, Solving for , 66 Adjustable Rate Mortgages, 51 Amortization and R.
U SER ’ S G UIDE — 87 Qualifying Comparison, 64 QUALIFYING EXAMPLES, 59 Qualifying Keys, 12 Qualifying Loan Amount and Sales Price, Finding, 60 Qualifying Loan Amount and Sales Price — Complete .
Designed in the United States of America Printed in China 8/07 UG3430E-E.
An important point after buying a device Calculated Industries Qualifier Plus IIIFX-Desktop (or even before the purchase) is to read its user manual. We should do this for several simple reasons:
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