Agent Tools — Real Estate Agent Toolkit

Available Tools

• DSCR Investment Property Analyzer: Screen rental properties for DSCR loan qualification. Get instant rent estimates powered by RentCast, full PITIA and NOI breakdowns, and color-coded lender threshold verification.
• Assumable Loan Calculator (VA/FHA): Compare assuming an existing VA or FHA loan at the seller's rate vs. new financing at today's rates. Includes gap financing analysis and VA entitlement implications.
• "Win the Bid" Escalation Calculator: Reframe bidding wars from sticker shock into real monthly costs. See what each escalation truly costs per day, analyze appraisal gap exposure, and understand the cost of not winning.

Enter your name and email to unlock access to all tools. These professional resources are provided free by Jay Miller, NMLS #657301, CMG Home Loans.

Free Download: Conventional vs. FHA vs. VA vs. USDA (Hawaii Agent Cheat Sheet)

A one-page comparison of the four main purchase loan programs for Hawaii real estate agents: minimum down payment, credit score, mortgage insurance and funding fees, 2026 loan limits by county (Honolulu $1,249,125 conforming / $828,000 FHA), condo approval rules, seller-concession caps, appraisal and property condition, and best fit, plus Hawaii-specific agent tips. Figures as of October 2026. Download the PDF.

Watch: Build the Equity, Then Use It: The All In One Loan™ for Real Estate Agents

Your past clients from the last four years are mostly at 5.5% or higher. This seven-minute video shows what the All In One Loan™ does to the pace of their equity, and what that means for the next property, the second home, and the move-up. Sample rates in a what-if model, not a rate quote or a promise to any borrower. Not a paid promotion, not a commitment to lend. Watch on YouTube.

Also Watch: The Deal You Didn't Have to Lose

A 6-minute briefing on the All In One Loan™, a first-lien HELOC, built for agents — the three client conversations it unlocks (the fence-sitting buyer, the locked-in seller, the investor), the math behind it, and the risks stated plainly. Watch on YouTube.