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3430
Calculated Industries 3430 Manuals
Manuals and User Guides for Calculated Industries 3430. We have
2
Calculated Industries 3430 manuals available for free PDF download: User Manual, Pocket Reference Manual
Calculated Industries 3430 User Manual (89 pages)
ADVANCED RESIDENTIAL REAL ESTATE FINANCE CALCULATOR with CASH FLOW and COMPLETE BUYER QUALIFYING
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0 MB
Table of Contents
Table of Contents
3
Getting Started
6
Key Definitions
6
Basic Operation Keys
6
Mortgage Loan (TVM) Keys
7
Tax, Insurance and Expense Keys
11
Tax Savings Keys
12
Rent Vs. Buy Keys
13
Qualifying Keys
13
1St & 2Nd Trust Deeds (Combo Loan) Keys
16
Cash Flow Keys
17
Basic Arithmetic Examples
19
Arithmetic
19
Percent Calculations
19
Figuring Straight Percent Commission
19
Reduction in Listing Price (Discount %)
20
Simple 1-Year Home Appreciation (Add-On %)
20
Date Examples
21
Calculator Settings
22
Decimal Place Selection
22
Preference Settings
23
Memory
25
Accumulative Memory
25
Memory Storage Keys (M0-M5)
26
Examples
28
Mortgage Loans/Time-Value-Of-Money (Tvm)
28
Finding the Monthly Mortgage (P&I) Payment
29
Finding the Loan Amount
29
Finding the Interest Rate
29
Finding the Term of a Loan
30
Paying off a Mortgage Early (Making Larger Payments)
30
Simple Interest Vs. Compound Interest
31
Sales Price/Down Payment
31
Finding Loan Amount Based on Sales Price and down Payment
31
Taxes and Insurance
32
Setting Tax and Insurance Percent Rates
33
Recalling Tax and Insurance Percent Rates
33
Setting Tax and Insurance Dollars
33
Calculating Tax and Insurance Percent or Dollars
34
PITI Payment (Tax and Insurance Entered as Percent)
35
Total Payment (Including Expenses) and Interest-Only Payment
35
Amortization and Remaining Balance
36
Notes on Amortization
36
Total Principal and Interest for a 30-Year Loan
38
Balloon Payment/Remaining Balance Needed to Pay off a Loan
38
Amortization List for Individual Year(S) - Using "Next" Feature
39
Amortization List for Individual Year(S) - Using Month Offset
40
Amortization List for Individual Payment(S)
41
Amortization List for a Range of Payments
42
Amortization List for a Range of Years
42
Bi-Weekly Loans
43
Bi-Weekly Term Reduction and Payment
43
Future Value
44
Appreciation
44
Retirement Savings Account Problem (Future Value of an Initial Deposit or Lump Sum)
45
Retirement Savings (Future Value of Monthly Investment - Using Beginning Mode)
45
Non-Monthly Loans
46
Finding a Quarterly Payment
47
Trust Deeds and Discounted Notes
47
Purchase Price of a Note - Fully Amortized
47
Finding the Yield on a Discounted Note
48
Finding the Value and Discount of a Trust Deed
49
APR and Total Finance Charges
50
Finding APR and Total Finance Charges
50
Prepaid/Odd-Days Interest and APR
51
Adjustable Rate Mortgages
52
ARM Payment - Worst-Case Scenario
53
ARM Payment - Using Lifetime Cap
54
Decreasing ARM Payment
55
Increasing and Decreasing ARM Payment
55
Estimated Income Tax Savings and "After-Tax" Payment
56
Rent Vs. Buy
57
Buyer Qualifying
58
Qualifying Examples
60
Recalling Income/Debt Qualifying Ratios
60
Storing New Income/Debt Qualifying Ratios
60
Finding Qualifying Loan Amount and Sales Price (Simple Example Excluding Tax/Insurance)
61
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
62
Restricted" Qualifying
63
Unrestricted" Qualifying
64
Qualifying Comparison
65
Ratios at Once)
65
Finding Income Required and Allowable Monthly Debt
66
Solving for Actual Qualifying Ratios
67
1St and 2Nd Trust Deeds (Combo Loans)
68
Combo Loan (80:10:10) Vs. Fixed-Rate Loan with Mortgage Insurance
69
Combo Loan (80:15:5) Vs. Fixed-Rate Loan with Mortgage Insurance
71
Combo Loan - Entering a New LTV
73
Financed Mortgage Insurance Compared to a Combo Loan
75
Cash Flow Examples
77
Calculating IRR, NPV, and NFV for Annual Cash Flows
79
Calculating IRR, NPV, and NFV for Monthly Cash Flows
80
Recalling and Replacing Cash Flows
81
Recalling and Replacing Cash Flow Frequencies
81
Appendix
82
Default Settings
82
Reset
82
Error Codes
82
Auto Shut-Off
83
Batteries
83
User' Guide
84
Repair and Return
84
Warranty
84
Legal Notes
86
Qualifier Plus
86
All Rights Reserved
86
Looking for New Ideas
86
Index
87
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Calculated Industries 3430 Pocket Reference Manual (43 pages)
ADVANCED REAL ESTATE FINANCE CALCULATOR with CASH FLOW and COMPLETE BUYER QUALIFYING
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0 MB
Table of Contents
Table of Contents
3
Key Definitions
5
Examples
11
Date Example
11
Monthly Mortgage (P&I) Payment
11
Enter Payment 1 5 0 0 P
12
Loan Amount
12
Interest Rate
13
Loan Amount Based on Sales Price and down Payment
13
Term of a Loan
14
Setting Tax and Insurance
15
PITI Payment, Total Payment and Interest-Only Payment
16
Quarterly Payment
17
STEPS KEYSTROKES DISPLAY Clear O O
18
Amortization
18
Enter Interest 6 • 5 ˆ
18
Bi-Weekly Loans
19
Enter Term 3 0 T
19
Appreciation
20
Rate 6 ˆ
20
Retirement Savings
21
APR and Total Finance Charges, Including Mortgage Insurance
22
ARM Payment - Lifetime Cap
23
Estimated Tax Savings
25
Enter Interest 7 • 5 ˆ
26
Rent Vs. Buy
26
Clear O O
27
Qualifying Loan Amount
27
Setting Qualifying Ratios
27
Restricted" Vs. "Unrestricted" Qualifying
29
Enter Insurance
32
Enter Tax% 1 • 2 5 S
32
Enter Term
32
Qualifying Comparison (2 Ratios at Once)
32
5 S
34
Income Required and Allowable Monthly Debt
34
80:10:10 Combo Loan Vs. Fixed-Rate Loan with Mortgage Insurance
36
Cash Flow
39
Appendix
41
Default Settings
41
Decimal Place Setting
41
Preference Settings
42
Batteries
42
Reset
42
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