Property Analyzer
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Property Details — edit any field
Estimated rate — live Federal Reserve data unavailable
Monthly Income
Monthly (0 if none)
Operating Expenses
/ year
/ year
Monthly cash flowWhat you keep each month after all rental income, vacancy reserve, operating expenses, and mortgage payment. Positive means the property pays you; negative means you feed it.Read more in glossary →
$484
$5,809/ year · after all expenses & the mortgage payment
Cap rate — Capitalization RateAnnual net operating income divided by the purchase price, shown as a percentage. Used to compare properties at different price points within the same market.Read more in glossary →
9.1%
Yearly profit ÷ price
Cash-on-cash returnAnnual cash flow divided by the total cash invested (down payment plus closing costs). Measures the return on the cash you actually put in, ignoring loan paydown and appreciation.Read more in glossary →
12.9%
Yearly cash flow ÷ money you put in
NOI — Net Operating IncomeGross rental income minus vacancy and operating expenses, before mortgage payments. The number a cap rate is calculated from.Read more in glossary →
$1,360
Rent minus operating costs (no mortgage)
DSCR — Debt Service Coverage RatioNet operating income divided by the mortgage payment. Lenders generally want DSCR at or above 1.25× to approve a debt-service-coverage loan.Read more in glossary →
1.55×
Income ÷ mortgage; 1.25× = lender-ready
GRM — Gross Rent MultiplierPurchase price divided by gross annual rent. Lower is generally better; useful for quick screening before running full numbers.Read more in glossary →
6.8×
Price ÷ yearly rent; lower is better
Break-even occupancyThe minimum percentage of units that must be rented to cover all costs including mortgage. Below this percentage, you are paying out of pocket each month.Read more in glossary →
70.0%
Minimum occupancy to cover all costs
Equity Projection (3% appreciation)
Year 1
$51,839
Year 5
$81,937
Year 10
$126,749
- Mortgage payment$87640%
- Operating exp.$66430%
- Vacancy reserve$1768%
- Net cash flow$48422%
Estimates based on inputs provided. Actual results will vary. Not financial advice. Consult a licensed financial advisor and CPA before making investment decisions.
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