{"id":146604,"date":"2023-02-05T22:25:00","date_gmt":"2023-02-06T05:25:00","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=146604"},"modified":"2024-01-19T10:54:39","modified_gmt":"2024-01-19T17:54:39","slug":"principal-and-interest","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/principal-and-interest","title":{"rendered":"How To Calculate Principal And Interest On A Mortgage"},"content":{"rendered":"\n\n      <iframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https:\/\/playlist.megaphone.fm\/?e=BIGPOC3439935891\" width=\"100%\"><\/iframe>\r\n  \n\n\n\n\n<p><span data-preserver-spaces=\"true\">Calculating the principal and interest on your mortgage helps you identify the actual cost of a property. If you have a $400,000 loan at a 30-year fixed rate of 5%, the amount you spend after 30 years isn\u2019t $400,000. It\u2019s actually $773,158. $400,000 will go toward your principal, while the other $373,158 will go toward your interest.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">When you buy a home with a&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/beginners-guide-fixed-rate-mortgages-vs-arms\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">fixed interest rate<\/span><\/a><span data-preserver-spaces=\"true\">, your monthly mortgage payment will be the same for the duration of your loan. However, even though you\u2019re writing a check for the same amount every month, how much you put toward your principal and interest will always be different.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">In this post, we\u2019ll define what your principal and interest payments are on a mortgage and show you have to calculate how much a house will cost you to make a more informed decision when purchasing a property. We\u2019ll also discuss the difference between APR and your interest rate, what factors impact your interest rate, and how to track where your fixed-rate mortgage payments are going.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here\u2019s how to calculate the principal and interest on your loan:<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What is the Principal on a Mortgage?<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">When you take out a home loan, your principal is the amount you borrow from a lender. If the total purchase price of your home is $300,000 and you make a 20% down payment of $60,000, the remaining $240,000 is your principal balance.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Purchase Price &#8211; Down payment = Principal balance<\/strong><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Use our&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/mortgage-calculator\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">mortgage calculator<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;to determine how much home you can afford. Your principal equates to your loan amount, making it one of the most important numbers to know. Your mortgage principal starts accumulating interest right after you take out your loan. Combined, the two make up most of what you\u2019ll pay monthly.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What is an Interest Payment?<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Lending institutions don\u2019t loan you hundreds of thousands of dollars and get nothing in return. Your lender charges you interest on the loan, usually based on the annual percentage rate (APR).&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Most first-time home buyers are surprised to learn that, even with a low-interest rate, they\u2019ll be spending a lot of money toward the mortgage interest each month. For example, if you take out a 30-year loan for $400,000 at a 5% interest rate, your monthly payment is $2,147.29. For the first month, $1,666.67 of that payment goes towards interest, and only $480.62 goes toward paying down your principal.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1134\" height=\"1080\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.23.48-PM.png\" alt=\"loan amortization graph\" class=\"wp-image-146634\" title=\"\" srcset=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.23.48-PM.png 1134w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.23.48-PM-300x286.png 300w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.23.48-PM-1024x975.png 1024w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.23.48-PM-768x731.png 768w\" sizes=\"auto, (max-width: 1134px) 100vw, 1134px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">How is Your Interest Payment Calculated?<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Calculating your interest payment requires a little more math. The formula is:<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><span data-preserver-spaces=\"true\"><strong>Monthly Interest Payment = Principal Loan Amount x (Annual Interest Rate \/ 12)<\/strong><\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Principal loan amount = $400,000<br \/><\/span><span data-preserver-spaces=\"true\">Interest rate = 5%, or 0.05<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">In this case, your interest is:<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><span data-preserver-spaces=\"true\"><strong>Interest = $400,000 x (.05\/12)<br \/><\/strong><\/span><span style=\"font-size: revert; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\"><strong>Interest = $1,666.67<\/strong><\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">With a fixed rate, you\u2019ll pay less interest with each mortgage payment because your principal balance decreases. After your first mortgage payment, your principal balance goes from $400,000 to $399,519.38. For month two, your interest equation is:<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><span data-preserver-spaces=\"true\"><strong>Interest = $399,519 x (.05\/12)<br \/><\/strong><\/span><span style=\"font-size: revert; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\"><strong>Interest = $1,664.66<\/strong><\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1162\" height=\"156\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.28.26-PM.png\" alt=\"calculating loan balance\" class=\"wp-image-146635\" title=\"\" srcset=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.28.26-PM.png 1162w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.28.26-PM-300x40.png 300w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.28.26-PM-1024x137.png 1024w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.28.26-PM-768x103.png 768w\" sizes=\"auto, (max-width: 1162px) 100vw, 1162px\" \/><\/figure>\n\n\n\n<p><span data-preserver-spaces=\"true\">While you only end up putting $2.01 more toward your principal balance, you\u2019ll slowly pay down more and more of your loan over time, which brings us to amortization.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What is Amortization?<\/span><\/h2>\n\n\n\n<p><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/2013-03-20-amortization-schedule-how-to\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Amortization<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;means paying off your home loan through regular principal and interest mortgage payments over time. Calculating amortization requires using the formula:<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"658\" height=\"230\" src=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.30.41-PM.png\" alt=\"amortization equation\" class=\"wp-image-146636\" title=\"\" srcset=\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.30.41-PM.png 658w, https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2023\/02\/Screenshot-2023-02-03-at-4.30.41-PM-300x105.png 300w\" sizes=\"auto, (max-width: 658px) 100vw, 658px\" \/><\/figure>\n<\/div>\n\n\n<p><span data-preserver-spaces=\"true\">A = Monthly Mortgage Payment<br \/><\/span><span data-preserver-spaces=\"true\">P = Principal Balance<br \/><\/span><span data-preserver-spaces=\"true\">I = Periodic Interest Rate<br \/><\/span><span style=\"font-size: revert; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">N = Total Number of Payments<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">We recommend using an amortization calculator instead.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why Amortization Matters<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Amortization helps homeowners and real estate investors identify their costs over time.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">For tax purposes, amortization tables show you how much you\u2019ll pay in interest each year. Mortgage interest is tax-deductible, meaning you claim it if you itemize your expenses and surpass the standard deduction threshold.<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Amortization also shows how much you\u2019ll owe on your principal balance each year or month. The lower your balance, the more equity you have in your home. To keep it simple, let\u2019s assume your home never increases in value. Before you make your first payment, you have $100,000 in equity (a.k.a. Your down payment).&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">&nbsp;Using the above example, here\u2019s how much your principal balance is at various time intervals:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><b>Month\/Year<\/b><\/td><td><b>Initial Down Payment<\/b><\/td><td><b>Balance<\/b><\/td><td><b>Equity<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">0 months \/ 0 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$400,000<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">12 months \/ 1 year<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$394,098.54<\/span><\/td><td><span style=\"font-weight: 400;\">$105,901.46<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">60 months \/ 5 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$367,314.93<\/span><\/td><td><span style=\"font-weight: 400;\">$132,685.07<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">120 months \/ 10 years&nbsp;<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$325,368.26<\/span><\/td><td><span style=\"font-weight: 400;\">$174,631.74<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">180 months \/ 15 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$271,535.63<\/span><\/td><td><span style=\"font-weight: 400;\">$228,464.37<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">240 months \/ 20 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$202,449.07<\/span><\/td><td><span style=\"font-weight: 400;\">$297,550.93<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">300 months \/ 25 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$113,786.23<\/span><\/td><td><span style=\"font-weight: 400;\">$386,213.77<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">360 months \/ 30 years<\/span><\/td><td><span style=\"font-weight: 400;\">$100,000<\/span><\/td><td><span style=\"font-weight: 400;\">$0<\/span><\/td><td><span style=\"font-weight: 400;\">$500,000<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><span data-preserver-spaces=\"true\">In this scenario, you build more equity the longer you have the loan. This is because more mortgage payments go toward your monthly principal balance.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">APR vs. Interest Rate: What\u2019s the Difference?<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Both rates are expressed as a percentage, but there\u2019s a key distinction between them.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Your interest rate refers to the annual cost of your loan but doesn\u2019t reflect any fees or charges you might have to pay for the loan.&nbsp;<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Your APR is a more holistic expression of what you\u2019re borrowing and is often higher than your interest rate. It reflects your interest rate, mortgage broker fees, any&nbsp;<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/mortgage-discount-points\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">mortgage points<\/span><\/a><span data-preserver-spaces=\"true\">, and other charges you incur to get your loan.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What Factors Impact Your Interest Rate?<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">The lower your interest rate, the less your monthly mortgage payments will be\u2014and every percentage point counts! For your $400,000 30-year loan at 5%, your monthly payment is $2,147. However, if your interest rate is 4%, your monthly payment drops to $1,910. That\u2019s a $237 difference!<\/span><\/p>\n\n\n\n<p><span data-preserver-spaces=\"true\">Here are a few factors that determine your interest rate:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Credit Score<\/span><\/strong><span data-preserver-spaces=\"true\">: The higher your FICO score, the lower your interest rate. You\u2019ll typically qualify for the best rates if your credit score is in the 700s or higher.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Loan Term<\/span><\/strong><span data-preserver-spaces=\"true\">: If your loan is for a shorter term, your interest rate will likely be lower. If you qualify for a 30-year loan at 5%, the same lender might offer you a 15-year loan at 4%.&nbsp;<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Location<\/span><\/strong><span data-preserver-spaces=\"true\">: If you\u2019re in an area where more homeowners default, your interest rate may be higher.&nbsp;<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Down Payment<\/span><\/strong><span data-preserver-spaces=\"true\">: If your down payment is less than 20%, most loans require you to pay <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/what-is-private-mortgage-insurance-pmi\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">private mortgage insurance<\/span><\/a><span data-preserver-spaces=\"true\">&nbsp;(PMI), which is an additional 0.58% &#8211; 1.86% added interest.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Current Interest Rates<\/span><\/strong><span data-preserver-spaces=\"true\">: The state of the housing market and the Federal Reserve impact home loan rates.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What Else is Included in Your Monthly Mortgage Payment?<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">Your principal and interest make up the base of your monthly mortgage payment, which won\u2019t increase during the duration of your loan. However, there are other fees to consider:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Property Taxes<\/span><\/strong><span data-preserver-spaces=\"true\">: These taxes are what your local government charges you based on the assessed value of your property. The assessed value is what a property assessor says your home is worth and is not the same as the market value. Property taxes vary from state to state.<\/span><\/li>\n\n\n\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/homeowners-insurance-complete-guide\" target=\"_blank\" rel=\"noopener\"><strong><span data-preserver-spaces=\"true\">Homeowner\u2019s Insurance<\/span><\/strong><\/a><span data-preserver-spaces=\"true\">: Homeowner\u2019s insurance usually covers internal and external damage to your home, the loss or damage of personal assets, and liability coverage if an accident occurs in your home or on your property.&nbsp;<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">PMI<\/span><\/strong><span data-preserver-spaces=\"true\">: As mentioned earlier, you must pay PMI if your down payment is less than 20%. This insurance protects your mortgage lender if you don\u2019t pay your mortgage. It goes away when your loan-to-value (LTV) ratio drops to 78% or lower.&nbsp;<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Homeowner\u2019s Association (HOA) Dues<\/span><\/strong><span data-preserver-spaces=\"true\">: If you move into a condo or neighborhood with a homeowner\u2019s association, you must pay HOA fees. These vary based on your HOA.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Keeping Track of Your Principal and Interest<\/span><\/h2>\n\n\n\n<p><span data-preserver-spaces=\"true\">To recap, your principal is the amount you borrow from a lender when taking out a home loan, and your interest is what a lender charges you to borrow that money. Now that you know how they work and how to use an amortization calculator to see how much you\u2019re paying and when you can make a more informed decision when buying a home.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">FAQs<\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Should You Pay the Principal or Interest?<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Depending on the terms of your loan, you can pay more each month. The extra money goes toward your principal balance and helps you repay your loan faster.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">How Else Can You Pay Your Loan Off Faster?<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">Some companies will let you make biweekly mortgage payments. Instead of making 12 monthly payments, you\u2019ll earn 26 biweekly payments that are equal to half your monthly amount. With this strategy, you\u2019ll pay an extra month each year and can shave several years off your loan.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">What Percentage of Payment is Principal?<\/span><\/h3>\n\n\n\n<p><span data-preserver-spaces=\"true\">This percentage varies based on your loan length, amount, and interest rate.&nbsp;<\/span><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Calculating the principal and interest on your mortgage helps you identify the actual cost of a property. If you have a $400,000 loan at a 30-year fixed rate of 5%, [&hellip;]<\/p>\n","protected":false},"author":613625,"featured_media":146652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4252,7119],"tags":[],"class_list":["post-146604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-deal-analysis","category-biggerpockets-daily"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/146604","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613625"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=146604"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/146604\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/146652"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=146604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=146604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=146604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}