1Property & Price▾
List / offer price is the single price that drives everything — start with the asking price, then change it (here or with the price-spectrum slider below) to test any offer. Scenario range ±% sets how wide the comparison tables spread around it.
2Rent / Income
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3Financing▾
Toggle (in Rent/Income) sets typical lender defaults: Owner-occupant → low down (20%/5%), DSCR 1.05 cushion, you live in one unit. Investment → 25%/20% down, DSCR 1.25, +0.625% rate, no PMI, all units rented. All editable. Reno cash is extra money you pay out of pocket to get the place rent-ready — it is added to your cash invested (down payment + closing + reno), not rolled into the mortgage. It lowers cash-on-cash and is counted as upfront cash in the sale/return tables.
4Operating Expenses▾
Repairs vs. CapEx — two separate reserves you set aside monthly so a surprise bill doesn't wreck your returns. Repairs = routine, smaller upkeep (a leaky faucet, fresh paint, a broken fixture). CapEx (capital expenditures) = the big-ticket items that wear out over many years — roof, furnace, A/C, water heater, appliances, flooring. Vacancy sets money aside for the months a unit sits empty between tenants; Management is a property manager's fee (leave at 0 if you self-manage). Each percentage is taken on rent.
5Growth & Exit▾
Growth (optional) compounds rents and operating expenses each year. Leave at 0% to hold today's figures flat. Growth affects only the long-term projections (appreciation, sale, cumulative cash flow, payback & IRR) — your Year-1 cap rate, DSCR and cash-on-cash always use today's rents.
$Price Spectrum▾
Enter a list / offer price in section 1 to explore how the price changes your monthly cash flow and where the key levels sit.
Tip: in the print dialog, turn on “Background graphics” to get the full-color memo.