The fine print, unhidden

Disclosures & licensing

Who operates this website

This website is published on behalf of the Oliver White Mortgage Group, led by Oliver White, Branch Manager · Team Lead, NMLS #1254113 (verify via NMLS Consumer Access), of Fairway Independent Mortgage Corporation (dba Fairway Home Mortgage), NMLS #2289 (verify via NMLS Consumer Access), 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. The team is based at the Eden Prairie, MN branch, 7500 Flying Cloud Drive, Suite 900, Eden Prairie, MN 55344.

Loan officers featured on this site

Oliver White, Branch Manager · Team Lead — NMLS #1254113 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Ashland Alitz, Branch Sales Manager — NMLS #1584948 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Rob Daul, Loan Officer — NMLS #2751014 (NMLS Consumer Access) — licensed in Minnesota
Steven Tran, Loan Officer — NMLS #2377473 (NMLS Consumer Access) — licensed in Minnesota
Jordan De Jong, Loan Officer — NMLS #2387628 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Ben Musselman, Loan Officer — NMLS #1600154 (NMLS Consumer Access) — licensed in Minnesota
Zach Beaubien, Loan Officer — NMLS #2760310 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Tiaira Quinn, Loan Officer — NMLS #2568351 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Spencer Brady, Loan Officer — NMLS #1899035 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin
Taylor Kranz, Loan Officer — licensed in Minnesota
Kayla Hillman, Loan Officer — licensed in Minnesota
Ashlyn Long, Loan Officer — NMLS #2775645 (NMLS Consumer Access) — licensed in Minnesota
Forrest Roberts, Loan Officer — NMLS #1618698 (NMLS Consumer Access) — licensed in Minnesota & Wisconsin

Calculator, projections & PDF report

Calculator results and the downloadable report are estimates for illustrative and educational purposes only, based entirely on the figures you enter. They are not a quote, rate lock, pre-qualification, pre-approval, appraisal, or investment, tax or legal advice, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance, rents, vacancy, expenses and property values vary by property and scenario. Sample rates shown are not an offer. Consult a licensed loan officer, tax professional and attorney before purchasing an investment property.

Real estate investing involves risk, including possible loss of principal. Past appreciation and rent growth do not guarantee future results. Projections use constant annual growth rates you choose and do not account for income taxes, depreciation recapture, capital gains, refinancing, major repairs, or periods of extended vacancy.

The calculator applies standard real-estate formulas (amortization, net operating income, capitalization rate, cash-on-cash return, debt service coverage ratio, total return on investment and compound annual growth rate) to the inputs you provide. Property tax, insurance, HOA, maintenance and utilities are held flat across the projection; management fees and the vacancy allowance follow rent; appreciation and rent growth compound at the rates you choose. Default values are a sample Minnesota scenario, not data about any specific property. Property tax, insurance, vacancy and expense defaults are generic starting points; verify every figure against the actual property, county records, insurance quotes and local rental data.

Not a commitment to lend

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. Investment-property loan programs carry their own down payment, reserve and credit requirements that differ from owner-occupied financing. For complete state licensing information and legal disclosures, visit Fairway's Licenses & Disclosures page.

Educational content

All educational content on this site, including the Minnesota guide and FAQ, is general in nature and provided for informational purposes only. It is not financial, legal, tax or investment advice, and it does not consider your individual circumstances. Minnesota property-tax classification, rental licensing and rent-stabilization rules vary by city and county and change over time; confirm current requirements with the relevant municipality, a tax professional and an attorney.

Privacy

This website does not collect, store, or transmit personal information. It contains no contact forms, no analytics trackers, no advertising pixels, and no cookies set by this site. Everything you type into the calculator — including any property nickname — stays in your browser, and the PDF report is generated on your own device without sending anything to a server. Links to loan officer sites and to apply route to systems governed by their own privacy policies, including Fairway's privacy policy.