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Add a new property

Answer a few quick questions and we’ll build the full analysis for you. You can fine-tune any number afterward.

The property

Property name

Location / description (optional)

Number of units

Rent per unit / mo

The financing

Purchase price

Down payment %

Interest rate %

Loan term (yrs)

Operating costs — rough estimates are fine

Property taxes / yr

Insurance / mo

We’ll add sensible defaults for vacancy (5%), management (8%), maintenance (6%) and a CapEx reserve (5%) — all editable on the next screen.

Rental Property Analyzer

👋

This is a sample deal so you can see how everything works. Edit any number to make it yours — or clear it and start fresh.

Deal snapshot

Monthly cash flow

{{ v.cfYrFmt }} / year

Cap rate

NOI {{ v.noiFmt }}

Cash on cash

{{ v.cashNeededFmt }} invested

Debt coverage (DSCR)

P&I {{ v.pmtFmt }}/mo

Cash flow, first 5 years

Before-tax, growing with rent · tap for all 30 years

Year	Cash flow	Cumulative
{{ r.year }}	{{ r.cfFmt }}	{{ r.cumFmt }}

Equity grows, loan shrinks

Value rises, loan pays down, equity builds

Year	Value	Loan balance	Equity
{{ r.year }}	{{ r.valueFmt }}	{{ r.balanceFmt }}	{{ r.equityFmt }}

Where the money goes

op ex / yr

Key numbers

Net operating income

Gross rent / yr

1% rule

Gross rent multiplier

Operating expense ratio

10-yr total return

🔒

This planner runs entirely on your computer. Your numbers are saved locally in this browser — private & confidential. Nothing is uploaded, synced, or shared. Use Save backup to keep your own copy.

Property & financing

Edit the purchase and loan terms — everything else recalculates instantly.

Purchase

Down payment{{ v.downFmt }}

Loan amount{{ v.loanFmt }}

+ Closing & repairs{{ v.closingFmt }}

Total cash needed{{ v.cashNeededFmt }}

Loan & assumptions

Loan term

All cash — no loan

💵 All-cash purchase — no mortgage. DSCR doesn’t apply.

Monthly mortgage (P&I){{ v.pmtFmt }}

Annual debt service{{ v.debtSvcFmt }}

Loan-to-value{{ v.ltvFmt }}

Rent roll

List every unit and its monthly rent. Add other income like laundry, parking, or storage.

Unit	Beds	Baths	Rent / mo	Rent / yr
{{ u.label }}	{{ u.beds }}	{{ u.baths }}	{{ u.rent }}	{{ u.yrFmt }}
Other income (laundry, parking…)			{{ P.otherIncome }}	{{ v.otherIncYrFmt }}

Gross scheduled rent			{{ v.grossMoFmt }}	{{ v.grossYrFmt }}

Vacancy allowance

{{ P.vacancyPct }}%

Vacancy loss / yr

Effective gross income

Operating expenses

Enter each cost as a monthly amount, a yearly amount, or a % of gross rent. Mortgage is handled separately.

Expense	Amount	Per year
{{ e.name }}	{{ e.amount }}	{{ e.annualFmt }}

Total operating expenses		{{ v.totalOpexFmt }}
Net operating income (NOI)		{{ v.noiFmt }}

Multi-year projection

Rents grow {{ v.rentGrowthFmt }}/yr, expenses {{ v.expGrowthFmt }}/yr, value appreciates {{ v.apprFmt }}/yr.

Year	Gross rent	NOI	Cash flow	Cash/cash	Loan bal.	Value	Equity
{{ r.yearLabel }}	{{ r.grossFmt }}	{{ r.noiFmt }}	{{ r.cfbtFmt }}	{{ r.cocFmt }}	{{ r.balanceFmt }}	{{ r.valueFmt }}	{{ r.equityFmt }}

Amortization schedule

Yearly breakdown of how each payment splits between interest and principal.

Year	Payments	Interest	Principal	Balance	Paid off
{{ a.year }}	{{ a.payFmt }}	{{ a.intFmt }}	{{ a.prinFmt }}	{{ a.balFmt }}	{{ a.pctFmt }}

Sale & total returns

If you sell after a chosen holding period, here’s what you walk away with.

Sell after {{ P.saleYear }} years

Sale proceeds

Return summary

Internal rate of return

Equity multiple

Total profit (after tax)

Avg annual return

Includes {{ v.cumCfLabel }} of cumulative cash flow plus {{ v.netSaleLabel }} net from the sale, against {{ v.cashNeededFmt }} invested.

Condition checklist

Walk the property and note the condition of each system. Estimated repair costs total at the bottom.

Area	Notes	Est. cost
{{ c.area }}	{{ c.note }}	{{ c.cost }}

Estimated repairs total		{{ v.repairTotalFmt }}

Compare your deals

Every property side by side. The highlighted cell wins each metric. Click a row to open that deal.

Property	Price	Units	Cash flow/mo	Cap rate	Cash on cash	DSCR	Verdict
{{ r.name }}	{{ r.priceFmt }}	{{ r.unitsFmt }}	{{ r.cf.val }}	{{ r.cap.val }}	{{ r.coc.val }}	{{ r.dscr.val }}	{{ r.vlabel }}

What-if & stress test

How {{ P.name }} holds up when things don’t go to plan. A deal that survives the downside is a deal worth doing.

{{ s.cfFmt }} /mo

{{ s.deltaFmt }} vs base

Cash on cash

DSCR

BRRRR & refinance

Buy, Rehab, Rent, Refinance, Repeat. See how much of your cash you pull back out when you refinance at the after-repair value.

The plan

Rehab budget

${{ brrrr.rehab }}

After-repair value (ARV)

${{ brrrr.arvVal }}

Refinance loan-to-value

{{ brrrr.ltv }}%

New loan rate

{{ brrrr.rate }}%

New loan term

{{ brrrr.term }}yrs

Total cash in (down + closing + rehab){{ brrrr.investedFmt }}

New loan ({{ brrrr.ltv }}% of ARV){{ brrrr.newLoanFmt }}

− Pay off original loan{{ brrrr.payoffFmt }}

The result

Cash pulled out

Cash left in deal

CAPITAL RECOVERED{{ brrrr.recoveredPct }}

New mortgage / mo{{ brrrr.newPmtFmt }}was {{ brrrr.oldPmtFmt }}

New cash flow / mo{{ brrrr.newCfMoFmt }}was {{ brrrr.oldCfMoFmt }}

Cash-on-cash after refi{{ brrrr.newCocFmt }}

Settings

Color theme

Sharing & backups

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