Investor Analysis

Does this rental property pencil out?

Model cash flow, cap rate, cash-on-cash return, debt service coverage, break-even occupancy, and projected equity over time.

Step 1 of 5
Step 1 of 5

Property and purchase

Start with the property, the investment strategy you want to model, and what it costs to acquire it.

The strategy changes which income and financing inputs the report uses. BRRRR adds a rehab-then-refinance step.
Step 2 of 5

Financing

Your loan terms drive the monthly debt service, cash-on-cash return, and DSCR.

Investment loans commonly require 20–25% down.
What the property should appraise for after the rehab.
Cash-out refinance loans commonly allow 70–75% of ARV.
Step 3 of 5

Income and rent assumptions

Estimate the income side. Fields adjust to the strategy you chose in step 1.

For a house hack, count rent from the units you lease out. For BRRRR, use the post-rehab market rent.
What you would pay in rent elsewhere for your own unit.
One-time setup cost, most common for short-term rentals.
Step 4 of 5

Operating expenses and projections

Recurring costs, reserves, and the assumptions behind the hold-period projection.

Fixed costs
Variable costs & reserves (% of collected rent)
Hold-period projection
Insurance, HOA, and utilities grow at this rate; property tax follows the property value.
Commission plus closing costs when you eventually sell.
After-tax view (optional)
Set to 0 to skip the depreciation and after-tax cash-flow view.
Land is not depreciable; only the structure share depreciates over 27.5 years.
Step 5 of 5

Review and run

Confirm your assumptions. You can jump back to any step to make a change.

Ready to run
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Educational only. Not investment, financial, lending, tax, legal, or real estate advice.