Calculator Disclaimer

Effective Date: August 25, 2026
Last Updated: August 25, 2026

This Calculator Disclaimer applies to any calculator, estimator, worksheet, example, formula, projection, downloadable resource, spreadsheet, form, chart, or other interactive tool that may appear on EricKeithRealtor.com.

Calculators and estimates on this website are provided for general informational purposes only. They are designed to help visitors think through possible real estate numbers, but they should not be treated as guarantees, formal valuations, lending decisions, financial advice, tax advice, legal advice, appraisal opinions, investment advice, or professional recommendations.

1. General Informational Use Only

Any calculator or estimate on this website is intended to provide a general starting point for discussion.

Calculators may include examples related to:

• Mortgage payments

• Affordability

• Down payment estimates

• Monthly payment estimates

• Closing cost estimates

• Seller net proceeds

• Home value estimates

• Rent estimates

• Cash flow estimates

• Cap rate estimates

• Return-on-investment estimates

• Investment-property projections

• Short-term rental estimates

• Land purchase estimates

• Renovation or repair estimates

• Property tax estimates

• Insurance estimates

• Utility or holding-cost estimates

• Buy-versus-rent comparisons

• Sell-versus-rent comparisons

These tools are not a substitute for advice from a lender, attorney, tax professional, financial advisor, appraiser, insurance agent, title company, surveyor, inspector, property manager, contractor, or other qualified professional.

2. No Guarantee of Accuracy

Calculator results may be based on assumptions, estimates, user-submitted information, general formulas, public data, third-party data, market examples, or simplified calculations.

Actual results may vary.

No calculator on this website guarantees:

• A specific property value

• A sale price

• A mortgage payment

• Loan approval

• Interest rate

• Closing cost amount

• Down payment requirement

• Seller net proceeds

• Property tax amount

• Insurance premium

• Rental income

• Occupancy rate

• Appreciation

• Cash flow

• Investment return

• Cap rate

• Repair cost

• Renovation budget

• Land development cost

• Septic approval

• Zoning approval

• Utility cost

• Buildability

• Resale value

• Any real estate outcome

Real estate numbers can change quickly and should be verified before making decisions.

3. Mortgage and Payment Calculators

Mortgage and payment calculators may estimate possible monthly payments based on inputs such as purchase price, down payment, interest rate, loan term, taxes, insurance, HOA fees, mortgage insurance, and other assumptions.

These estimates are not loan offers, loan approvals, rate quotes, pre-approvals, or lending commitments.

Actual mortgage terms depend on many factors, including lender requirements, credit history, income, debt, assets, loan type, interest rates, underwriting guidelines, property condition, appraisal results, insurance requirements, taxes, and other lending factors.

Visitors should consult a qualified lender or mortgage professional for actual loan estimates, loan options, interest rates, closing costs, payment information, qualification requirements, and financing advice.

4. Affordability Calculators

Affordability calculators may help visitors estimate a possible purchase range based on income, debts, down payment, interest rate, monthly payment comfort level, taxes, insurance, or other assumptions.

Affordability estimates are not guarantees that a buyer can qualify for financing or comfortably afford a property.

A lender should verify all financing assumptions. Buyers should also consider personal budget, reserves, maintenance costs, utilities, insurance, taxes, repairs, lifestyle expenses, and long-term financial goals.

5. Home Value and Property Value Calculators

Home value calculators, property value tools, automated estimates, seller calculators, or market comparison tools may provide rough estimates based on available information.

A home value estimate is not an appraisal, guarantee, or formal valuation.

Actual market value depends on many factors, including property condition, updates, layout, location, lot size, acreage, outbuildings, comparable sales, active competition, buyer demand, market timing, financing, inspections, title matters, and overall market conditions.

For formal valuation needs, consult a licensed appraiser or other appropriate professional.

6. Seller Net Proceeds Calculators

Seller net proceeds calculators may estimate possible proceeds from a sale after subtracting assumed mortgage payoff, commissions, closing costs, concessions, taxes, repairs, title costs, prorations, liens, or other expenses.

Seller net calculators are estimates only.

Actual proceeds may vary based on final sale price, negotiated terms, mortgage payoff, title issues, tax prorations, repair negotiations, closing costs, brokerage fees, concessions, liens, judgments, HOA fees, attorney fees, title company fees, and other transaction-specific expenses.

Sellers should verify net proceeds with the appropriate professionals, including their real estate professional, title company, lender, attorney, accountant, and tax professional.

7. Closing Cost Calculators

Closing cost calculators may estimate buyer or seller closing costs based on general assumptions.

Actual closing costs depend on the transaction, lender, title company, loan program, contract terms, property type, taxes, insurance, recording fees, transfer taxes, prepaid expenses, escrows, inspections, surveys, HOA fees, concessions, and other factors.

Closing cost estimates should be verified with a lender, title company, closing attorney, or other appropriate professional before relying on them.

8. Investment Property Calculators

Investment-property calculators may estimate cash flow, cap rate, return on investment, rent potential, expenses, vacancy, repairs, reserves, financing, appreciation, resale value, or other investment-related figures.

Investment calculators are for general informational purposes only and should not be treated as financial, tax, legal, lending, accounting, appraisal, insurance, or investment advice.

No calculator guarantees rental income, occupancy, appreciation, tax benefits, cash flow, cap rate, return on investment, resale value, financing approval, or future performance.

Investors should verify all assumptions with qualified professionals before making decisions.

9. Rental and Short-Term Rental Estimates

Rental calculators or short-term rental calculators may use assumptions related to rent, occupancy, nightly rates, cleaning fees, management fees, repairs, utilities, taxes, insurance, platform fees, local rules, permits, and other operating costs.

Actual rental performance may vary based on market demand, location, property condition, seasonality, pricing, competition, platform rules, local regulations, taxes, fees, guest behavior, maintenance costs, management quality, and other factors.

No rental estimate should be treated as a guarantee of income, occupancy, profitability, or legal permission to operate a rental property.

Short-term rental laws, zoning, permitting, HOA rules, taxes, and platform requirements should be verified before purchasing or operating a property.

10. Land, Acreage and Buildability Calculators

Land and acreage calculators may estimate possible costs related to land purchase, clearing, grading, driveway installation, utilities, septic, well, fencing, surveys, soil testing, site preparation, construction, or holding costs.

Land estimates are especially property-specific and should not be treated as guarantees.

No calculator can confirm that land is buildable, unrestricted, suitable for septic, suitable for a well, suitable for livestock, suitable for subdivision, suitable for short-term rental use, or suitable for any particular purpose.

Buyers should verify land-related matters with the appropriate professionals and official sources, including surveyors, soil consultants, engineers, utility providers, title companies, attorneys, lenders, insurers, planning offices, zoning offices, environmental health departments, and government agencies.

11. Tax and Insurance Estimates

Calculators may include estimated property taxes, insurance premiums, mortgage insurance, title insurance, or other recurring costs.

These estimates may be incomplete, outdated, or based on assumptions.

Actual taxes and insurance costs may vary based on property value, exemptions, assessment changes, reassessments, county or city tax rates, insurance underwriting, claims history, flood risk, property condition, coverage limits, deductibles, lender requirements, and other factors.

Visitors should verify tax information with the appropriate tax office and insurance information with a qualified insurance professional.

12. Public Data, Third-Party Data and User Inputs

Calculator results may depend on user-provided information, public records, MLS data, IDX data, third-party data, market estimates, or automatically generated assumptions.

If the inputs are incomplete or inaccurate, the results may also be incomplete or inaccurate.

Visitors are responsible for reviewing their inputs, understanding the assumptions used, and verifying important information before making decisions.

13. Market Conditions Can Change

Real estate markets can change due to interest rates, inventory levels, buyer demand, seller competition, lending conditions, local development, employment trends, economic conditions, seasonality, property condition, and many other factors.

Calculator results should be viewed as a snapshot based on assumptions at a point in time.

A calculator result that appears reasonable today may not reflect future market conditions.

14. No Professional Advice

Calculators on this website do not provide legal, tax, financial, lending, insurance, appraisal, engineering, surveying, zoning, construction, accounting, or investment advice.

Visitors should consult qualified professionals before making real estate decisions.

Depending on the situation, appropriate professionals may include:

• Mortgage lenders

• Attorneys

• Tax professionals

• Financial advisors

• Licensed appraisers

• Insurance agents

• Title companies

• Surveyors

• Home inspectors

• Contractors

• Engineers

• Soil consultants

• Property managers

• Local planning or zoning officials

• Other qualified professionals

15. No Broker-Client Relationship Created by Calculator Use

Using a calculator, estimator, spreadsheet, downloadable guide, worksheet, or other website tool does not automatically create a broker-client, agency, fiduciary, or representation relationship.

A real estate representation relationship is created only through appropriate written agreements, disclosures, brokerage procedures, and legal requirements.

Submitting calculator information, requesting results, or asking a follow-up question may allow Eric Keith to respond to your inquiry, but it does not by itself create a representation relationship.

16. Contact and Follow-Up

If you submit information through a calculator, contact form, home value request, seller strategy request, buyer inquiry, property alert form, land inquiry, investment-property inquiry, or general property question form, that information may be used to respond to your request and follow up about your stated real estate goals.

Communication is subject to the website’s Privacy Policy, Terms of Use, Cookie Policy, SMS Terms, and any consent choices you provide.

If you provide your phone number and opt in to text messaging, message and data rates may apply. Message frequency may vary. Reply STOP to opt out. Reply HELP for help if supported by the messaging provider. Consent to receive text messages is not a condition of purchasing any property, selling any property, or receiving real estate services.

17. Limitation of Liability

To the fullest extent permitted by law, Eric Keith, Luxury Homes of Tennessee, affiliated personnel, website providers, technology providers, calculator providers, data providers, and related parties are not responsible for losses, damages, decisions, missed opportunities, financial outcomes, transaction results, or other consequences arising from the use of calculators, estimates, projections, examples, or website tools.

Visitors should not rely solely on calculator results when making real estate, financial, legal, tax, lending, investment, land-use, or property decisions.

18. Updates to This Disclaimer

This Calculator Disclaimer may be updated from time to time as the website changes, new calculators are added, third-party tools are updated, market conditions change, or legal and compliance requirements evolve.

The updated version will be posted on this page with a revised “Last Updated” date.

19. Contact Information

If you have questions about a calculator, estimate, property value, payment estimate, seller net estimate, investment-property estimate, land estimate, or other real estate calculation shown on this website, please contact Eric Keith.

Eric Keith
Affiliate Broker
TN License #387547
Email: [email protected]
Direct Phone: +1 629-253-6611
Website: EricKeithRealtor.com

Brokerage: Luxury Homes of Tennessee
Legal Firm Name: Luxury Homes of Tennessee, LLC DBA Homes
Firm License: Real Estate Firm #264482
Office: (615) 472-8961
Address: 231 Public Square Ste 230, Franklin, TN 37064
Principal Broker: Hollie Baker Jr., TN Lic #349232

Brokerage and license compliance information is also provided in the website footer.

This Calculator Disclaimer should be reviewed by the supervising broker, brokerage compliance team, attorney, website provider, IDX/MLS provider, lender partners if applicable, CRM provider, calculator provider, and any applicable compliance professional before publishing.