Illustrative estimates only — not a Loan Estimate, quote, pre-approval, rate lock, or commitment to lend under RESPA (Regulation X) or TILA (Regulation Z). Models a business-purpose investment loan; owner-occupied 1–4 unit financing is a consumer mortgage requiring the lender's TRID disclosures. No lender has reviewed or approved these figures. Not financial, tax, or legal advice. Equal Housing Opportunity.
Property Details
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$
Financing
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%
%
$
$
$
Loan-type assumption: models a non-owner-occupied, business-purpose investment loan (generally exempt from RESPA/TRID consumer disclosures). If the borrower will occupy a unit (e.g., a 2–4 unit house-hack), the loan is a consumer mortgage and the lender must provide a Loan Estimate and Closing Disclosure. Figures here are illustrative only — not a quote or commitment to lend.
Investment Summary
Total Cash Invested
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Loan Amount
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Monthly P&I
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LTV
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Price Per Unit
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Instant Equity
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Cash Investment Breakdown
Rental Income
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%
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Gross Sched. Income
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annual
Vacancy Loss
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annual
Eff. Gross Income
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annual
Operating Expenses (annual $)
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$
%
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$
$
$
$
$
$
$
Cash Flow Statement
Income vs Expense Breakdown
Investment Performance Metrics
Cap Rate
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NOI ÷ Purchase Price
Cash-on-Cash Return
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Ann. CF ÷ Cash Invested
DSCR
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NOI ÷ Debt Service
GRM
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Price ÷ Annual Rent
Gross Yield
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GSI ÷ Price
Expense Ratio
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Expenses ÷ EGI
Break-Even Occ.
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Min. occupancy needed
Price / Rent Ratio
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Lower = better value
Net Operating Income
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annual
Monthly Cash Flow
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Annual Cash Flow
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1st Year Total ROI
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CF + equity + appr.
Metric Benchmarks
Cash Flow Waterfall
30-Year Projection Assumptions
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Property Value & Equity
Property ValueEquityLoan Balance
Annual Cash Flow Trend
Annual CFCumulative CF
Year-by-Year Projection Table
| Year | Property Value | Loan Balance | Equity | Annual Rent | NOI | Cash Flow | Cum. CF | CoC% | Total Wealth |
|---|
Value at 10 Years
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Value at 20 Years
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Value at 30 Years
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Cumul. CF 30yr
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Equity at 10 Years
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Equity at 20 Years
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Equity at 30 Years
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Total Wealth 30yr
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Depreciation & Tax Inputs
Residential rental property depreciates over 27.5 years (straight-line). Land is not depreciable.
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%
%
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Results — Year 1 snapshot (interest declines in later years)
Depreciable Basis
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Annual Depreciation
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Annual Tax Shield
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Taxable Income
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After-Tax Cash Flow
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year 1
After-Tax CoC
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Depreciation Recap. (full hold)
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Usable Tax Savings yr 1
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after passive-loss limits
Depreciation Schedule
Annual Dep.Cumulative
Tax Benefit Summary
Depreciation shelter: Even positive-cash-flow properties can show a paper loss, sheltering other passive income — or ordinary income for RE Professionals.
Exit Strategy Inputs
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Exit Summary
Projected Sale Price
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Remaining Balance
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Selling Costs
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Taxes at Sale
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Net Sale Proceeds
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Cumulative Cash Flow
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Total Profit
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Equity Multiple
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Internal Rate of Return (IRR)
Annualized return on all invested capital including exit
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Target for investment real estate: 8–15%+
Equity Multiple
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Total return ÷ cash invested (target: 2×+)
Net Proceeds Waterfall
IRR Sensitivity by Hold Period
IRR at different hold periods, same appreciation and rent assumptions.
BRRRR Strategy Calculator Buy · Rehab · Rent · Refinance · Repeat
Model the full BRRRR cycle: how much capital you recover and what's left in the deal.
BUY
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$
REHAB
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RENT
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$
$
REFINANCE
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%
$
BRRRR Result
Total invested vs. capital recovered
🔄 Repeat — Available Capital
Post-Refi Cash Flow
Scenario Comparison
Compare up to 4 investment scenarios. Income & operating expenses are pulled from the Income tab; closing costs scale with each scenario's price and rehab is held at the Deal tab amount.
Cash Flow Comparison
Illustrative estimates only — not an offer, quote, or required disclosure.
All projections and calculations are estimates for informational and educational purposes only and do not
constitute financial, tax, legal, or investment advice. Actual returns, rents, appreciation, tax treatment,
and expenses will vary. Real estate investing involves risk including possible loss of principal.
Financing figures are hypothetical. The interest rate, monthly payment, closing costs, and loan terms shown are example values entered by the user and are not a Loan Estimate, Good Faith Estimate, pre-approval, rate lock, or commitment to lend under RESPA (Regulation X) or TILA (Regulation Z). No lender has reviewed or approved these figures. Actual loan terms, APR, and settlement costs are determined solely by a lender and disclosed on that lender's official Loan Estimate and Closing Disclosure. This tool models business-purpose investment-property loans, which are generally exempt from RESPA/TRID consumer mortgage disclosure requirements; it must not be used or presented as a substitute for any required consumer mortgage disclosure.
No referral compensation. Consistent with RESPA Section 8, nothing in this analysis reflects any fee, kickback, or thing of value given or received for the referral of settlement-service business. Any affiliated business arrangement or ownership interest in a referred settlement-service provider must be disclosed separately in writing. Equal Housing Opportunity. If prepared by a licensed mortgage professional, the preparer's NMLS ID and applicable state license should appear above; no steering to any particular lender is intended.
Consult a licensed lender, financial advisor, CPA, and real estate attorney before making any investment or financing decision.
Financing figures are hypothetical. The interest rate, monthly payment, closing costs, and loan terms shown are example values entered by the user and are not a Loan Estimate, Good Faith Estimate, pre-approval, rate lock, or commitment to lend under RESPA (Regulation X) or TILA (Regulation Z). No lender has reviewed or approved these figures. Actual loan terms, APR, and settlement costs are determined solely by a lender and disclosed on that lender's official Loan Estimate and Closing Disclosure. This tool models business-purpose investment-property loans, which are generally exempt from RESPA/TRID consumer mortgage disclosure requirements; it must not be used or presented as a substitute for any required consumer mortgage disclosure.
No referral compensation. Consistent with RESPA Section 8, nothing in this analysis reflects any fee, kickback, or thing of value given or received for the referral of settlement-service business. Any affiliated business arrangement or ownership interest in a referred settlement-service provider must be disclosed separately in writing. Equal Housing Opportunity. If prepared by a licensed mortgage professional, the preparer's NMLS ID and applicable state license should appear above; no steering to any particular lender is intended.
Consult a licensed lender, financial advisor, CPA, and real estate attorney before making any investment or financing decision.