Deal Analyzer · Mortgage · BRRRR · DSCR

Loan & Property

Home Value ($)

Down Payment

%

Loan Term

Interest Rate (%)

Taxes, Insurance & Extras

Property Tax (Yearly)

%

Home Insurance (Yearly)

%

PMI (Yearly · auto when <20% down)

FHA Annual MIP Rate (%)

HOA Dues (Monthly)

Extra Monthly Payment ($)

Closing Costs

Closing Costs — % of home value

%

Seller Concessions ($)

Monthly Payment

—

Total Loan Amount

—

Total Interest Paid

—

All Payments Total

—

Cash to Close

—

FHA Loan Breakdown

Payment Breakdown per month

Estimated Cash to Close

Loan & Property

Home Value ($)

Down Payment

%

Loan Term

Interest Rate (%)

Taxes, Insurance & Extras

Property Tax (Yearly $)

Home Insurance (Yearly $)

HOA Dues (Monthly $)

Add Extra Payments

Extra Payment ($)

How Often

Months Per Year (up to 12)

Add a little extra toward your principal each month or year and watch how much interest you never have to pay — and how many years you knock off your loan.

Interest You Save

—

Time You Save

—

New Payoff

—

Side by Side

Standard Payments

Monthly payment—

Total interest—

Paid off in—

With Extra Payments

Monthly payment—

Total interest—

Paid off in—

Current Loan

Original Loan Amount ($)

Original Interest Rate (%)

Original Term

Months Already Paid

New Loan

New Interest Rate (%)

New Term

Refinance Closing Costs — % of original loan

%

Cash Out ($)

Renting

Monthly Rent ($)

Annual Rent Increase (%)

Renter's Insurance (Monthly)

Loan & Property

Home Price ($)

Down Payment

%

Loan Term

Interest Rate (%)

Annual Home Appreciation (%)

Taxes, Insurance & Extras

Property Tax (Yearly)

%

Home Insurance (Yearly)

%

Flood Insurance (Yearly)

PMI (Yearly · auto when <20% down)

HOA Dues (Monthly)

Maintenance & Repairs (Monthly)

Other Monthly Expenses ($)

Rental Income

Add up to 4 rental units. Their rent is subtracted from your monthly cost to own, so you can see what you would actually pay out of pocket.

Property & Loan

Purchase Price ($)

Down Payment

%

Loan Term

Interest Rate (%)

Rental Units

I'll live in one unit (owner-occupied)

Unit 1 Monthly Rent ($)

Unit 2 Monthly Rent ($)

Unit 3 Monthly Rent ($) — leave 0 for a 2-family

Qualifying Credit (% of rents) — lenders typically allow 75%

%

Operating Expenses

Annual Property Tax ($)

Annual Insurance ($)

Annual Flood Insurance ($)

Monthly Water & Sewer ($)

Monthly HOA ($)

Monthly Maintenance & Repairs ($)

Vacancy Allowance (%)

%

Property Management (%)

%

Income Valuation

Market Cap Rate (%) — what comparable buildings trade at

%

Gross Rent Multiplier — optional cross-check

Acquisition

Purchase Price ($)

Rehab Budget ($)

Purchase Closing Costs — first closing, % of price

%

After-Repair Value (ARV) ($)

Financing

Down Payment (%)

Refinance Interest Rate (%)

Refinance Loan Term (months)

Refinance Closing Costs — second closing, % of refi loan

%

Hard Money & Carrying Costs

Hard Money Rate (%) — interest-only during rehab

Origination Points (% of loan)

Months Held Before Refi

Rehab Financed by Lender (%) — 0 if you fund rehab yourself

Monthly Holding Costs ($) — utilities, lawn, security

Income & Expenses

Rental Units & Monthly Rent

Add up to 30 units, each with its own rent.

Annual Taxes ($)

Annual Insurance ($)

Monthly HOA ($)

Monthly Misc ($) — maint, mgmt

Cash-on-Cash Return

—

post-refinance, on cash left in the deal

Monthly Cash Flow

—

Equity Built

—

Deal Breakdown

Max Allowable Offer 70% ARV − rehab—

Total All-In Cost purchase + rehab + both closings + carry—

Purchase Closing Costs—

Origination Points—

Hard Money Interest during rehab—

Holding Costs taxes, insurance, utilities while vacant—

Total Cost to Carry—

Cash Invested down payment + unfinanced rehab + closing + carry—

Refinance Closing Costs—

Cash Recovered at Refi refi loan − payoff − refi closing—

Refi Loan Amount 75% LTV of ARV—

Monthly NOI—

Cash Left in Dealcapital still tied up after refinance—

Property

Property Value ($)

Rental Units & Monthly Rent

Add up to 30 units, each with its own rent.

Loan

Down Payment (%)

Interest Rate (%)

Loan Term (months)

Min. DSCR to Qualify (×)

Operating

Annual Taxes ($)

Annual Insurance ($)

Monthly HOA ($)

Monthly Maintenance ($)

Vacancy Rate (%)

Debt-Service Coverage Ratio

—

Qualifies

set your minimum threshold below

Monthly Cash Flow

—

Cap Rate

—

Loan & Income

Loan Amount value − down payment—

Gross Rental Income annual, before vacancy—

Net Operating Income annual—

Annual Debt Service—

Cash-on-Cash Return—

Down Payment / Equity—

Sale

Sale Price ($)

Selling Costs

Agent Commission (%)

Attorney / Settlement Fee ($)

Seller Concessions (%)

Repairs / Buyer Credits ($)

Payoffs & Government Charges

Loan Payoff / Liens ($)

NJ Realty Transfer FeeAuto-calculated from the state rate table

—

Luxury / Mansion Tax (%)Applies to sales ≥ $1M

Seller's Net Sheet

Estimated Settlement Statement

400 — Gross Amount Due to Seller

401.Contract Sales Price—

700 — Real Estate Broker Commission

703.Commission (5.0%)—

500 — Reductions in Amount Due to Seller

502.Settlement / Attorney Fee—

504.Payoff of Loan(s) / Liens—

506.Repairs / Buyer Credits—

507.Seller Concessions (2.0%)—

1200 — Government Transfer Charges

1203.Realty Transfer Fee (—)—

1204.Luxury / Mansion Tax (1.0%)—

Total Settlement Charges & Payoffs—

603 · Estimated Cash to Seller—

— of the sale price goes to closing costs, taxes & payoffs. Estimate only — final figures depend on payoff date, prorations, and county recording fees. We'll prepare an exact net sheet for your property.

Get my cash offer & net sheet →

Fix & Flip

Purchase Price ($)

fee

Renovation Cost ($)

After Repair Value (ARV) ($)

Down Payment (% of cost)

%

Interest Rate (%)

Loan Length (months)

Origination Fee (% of loan)

Other Closing Costs — % of purchase + reno

%

Cost to Sell (%)

Desired Profit MarginTarget net spread after expenses

$ AMOUNT

%

% OF ARV