<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Home Page / Loan & Amortization Calculator -->
  <url>
    <loc>https://www.aptfi.com/</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Debt Service Coverage Ratio (DSCR) Calculator -->
  <url>
    <loc>https://www.aptfi.com/calculators/dscr</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Capitalization Rate (Cap Rate) Calculator -->
  <url>
    <loc>https://www.aptfi.com/calculators/cap-rate</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Cash-on-Cash Return Calculator -->
  <url>
    <loc>https://www.aptfi.com/calculators/cash-on-cash</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Debt Yield Analysis Calculator -->
  <url>
    <loc>https://www.aptfi.com/calculators/debt-yield</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- IRR & Hold Period Returns Calculator -->
  <url>
    <loc>https://www.aptfi.com/calculators/irr</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Underwriting Guides and FAQs -->
  <url>
    <loc>https://www.aptfi.com/faq</loc>
    <lastmod>2026-07-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
