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Madison Method A proprietary framework developed by Wes Covert that reframes how buyers approach real estate — payment-first, signal-driven, and built on the numbers lenders actually use. Every calculation in this tool runs on Madison Method logic.

Most buyers search by price.
The Madison Method starts with payment.

Search by the payment that's actually engineered for your scenario — reassessed CA taxes, program-specific MI, and live insurance estimates.

Step 1

What can you actually afford?

Search by your target payment or a purchase price. We calculate your Madison Method Payment — a structured estimate built on the numbers your lender will actually use.

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VA Funding Fee Status
Madison Method PaymentA structured estimate including principal & interest, reassessed property tax (1.10%), homeowner's insurance, and mortgage insurance if applicable — the payment built on the numbers your lender will actually use.--
Principal & Interest--
Property Tax (reassessed 1.10%)--
Insurance--
APR--
Rate--
Loan Amount--
Down Payment--
Est. Closing Costs--
Est. Prepaids/Escrow--
Est. Cash to Close--
Calculations use today's market pricing. For demonstration purposes only — rates vary by borrower & program. Contact Wes for your exact structure.
Step 2

Now see what that buys you

Homes matched to your payment — with real costs, market rejection data, and seller credit strike zones.

Running the audit...
No homes found. Try adjusting your payment range or city.