Oycora methodology
Mortgage Payment
The level principal-and-interest payment for an amortizing loan using the entered principal, interest rate, and term.
Methodology v1.0Effective 2026-08-23Last reviewed 2026-08-23
How this is calculated
Payment uses the standard amortizing-loan payment equation; a zero-interest loan divides principal evenly across payments.
A cash purchase produces zero debt service. Zero-interest loans remain valid.
Why it matters
Mortgage payment supplies the recurring debt-service obligation used in cash flow and DSCR.
What is included
- Loan principal
- Interest rate
- Amortization term
What is excluded
- Taxes
- Insurance
- HOA
- Mortgage insurance unless separately entered
- Loan fees
Assumptions and limitations
- The model assumes the entered loan terms and does not quote or approve financing.