Need help figuring out monthly mortgage payments including all the extras

"Takes a bit more effort initially, but it saves headaches later when reality hits your wallet."

Couldn't agree more. I remember when I first started developing properties, I relied heavily on those online calculators—big mistake. One time, I underestimated property taxes by nearly 20% because the calculator was using outdated averages. Learned my lesson the hard way. Curious though, how do you factor in potential HOA fee increases over time? Those can sneak up on you too...

Honestly, I wouldn't stress too much about predicting HOA increases years ahead—it's mostly guesswork anyway. Better to build a comfortable buffer into your monthly budget for unexpected hikes...keeps things simple and saves you from overthinking every little detail.