College of Charleston Off Campus Housing Resource
     
Behren Kittrell
   Helping Parents and Students Find Safe And Affordable Housing For Sale



Behren Kittrell

College of Charleston Off Campus Sudent Housing Specialist

 With  housing prices and interest rates at historical lows, many parents realize buying off campus is a financially smarter solution to paying for  a college dorm or apartment.  By visiting my online resource for off campus housing, I can show you how!  As a College of Charleston graduate, I understand the challenges off campus student housing presents:

  • Safety
  • Affordability
  • Availability
  • Convenience

As a College of Charleston Housing Specialist, I save you valuable time:

  • 30+ year local resident
  • Send daily updates on property with your criteria
  • Provide crime data
  • Partner with local lenders to expedite applications

The College of Charleston holds a very special place in my heart.  It is my sincere desire to help your incoming student's living experience safe, as well as convenient to campus life.  I hope you will consider my services as a buyer's agent but you are under no obligation by asking for information. 

Behren Kittrell

B.S. Sociology, 1981
Charleston Flat Fee Real Estate
Realtor/Owner
Charleston, SC
843-870-3549
BEKittrell@aol.com

~~~~~Using the Calculator Below,  You Can Compare For Yourself Ownership vs. Renting~~~~~

This easy to use mortgage calculator will help you determine loan amounts, mortgage qualification, as well as whether you should be renting or buying.
Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 
Income Needed to Qualify for the Mortgage
 
Total Monthly Loan Payment:  
Total Monthly Debt Payment:  
Monthly Loan Insurance (%):  
Qualifying Income of % GDS Ratio:  
Qualifying Income of % TDS Ratio:  
 
What You Can Afford
We are using the % ratio.
Cost of House:  
Down Payment:  
Loan Value:  
Monthly Principal & Interest:  
Monthly Insurance:  
Monthly Property Tax:  
Monthly Condo Fees:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


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