Qualifier Plus® IIIfx Desktop Calculator The Qualifier Plus IIIFX-DT is the ideal tool for real estate investors and agents. In addition to both common and advanced real estate finance problems and complete buyer qualifying, it calculates multiple cash flows and internal rate of return (IRR), as well as net present and net future values (NPV/NFV) – all in a large, easy-to-use desktop format. Features: Pre-Qualify Clients Quickly & Easily Solve Real Estate Finance and Investment Problems Enhance Professionalism Close More Sales Versatile Buyer Pre-Qualifying For Conventional and FHA/VA Loans Various Payment Solutions P&I, PITI, Total and FHA Payments Complete Taxes, Insurance and Mortgage Insurance For True PITI Payments Cash Flows: IRR, NPV and NFV Automatic Sales Price & Down Payment Calculations and LTV for quick purchase and refinance decisions Complete Amortization, Balloon Payments Bi-Weekly vs. Monthly Loan Comparisons Simplify Complex ARMs Find APR Quickly fill out Truth In Lending Statements Rent vs. Buy Solutions and Estimated Tax Savings Built-in Date Math Function Closing and Expiration Dates Combo Loans and Interest Only Payments Time Saving Utilities: Triple Zero Key Saves Time and Keystrokes Works as a Standard Calculator Large Keys Easy-to-Read Adjustable Display Works as a Standard Calculator complete with: Full Size Users Guide Quick Reference Guide Pocket User’s Guide Protective Slide Cover Long-Life Batteries Full 1-Year Warranty Tech Specs: Product #: 43430 Size: 9.0 x 6.4 x 1.4" (229 x 162 x 35 mm) Product Weight (product only with battery): 10.8 oz. (308 g) Power: One 3-volt lithium (CR-2032) battery (included) Battery Life: Approx. 3000 hours usage Auto Shut-off: 8-12 min Keypad: 45 keys; plastic keys Users Guide: 84 pp.; 5.25 x 7.5" (133 x 190 mm) Case: Not available for larger, desktop models Operating Temperature: 32-130 deg. F (0-55 deg. C) Display Type: LCD segment; 9 digits with annunciator-legends Display Dimensions: 1.6 x 5.3" (41 x 135 mm)