Property Investor Tool

Rental Investor Planner

Check whether a rental still works after vacancy, operating expenses, repairs, capex, management, debt service, and cash reserve needs.

This is a planning model, not investment, tax, legal, lending, insurance, appraisal, or property-management advice. Verify local rules and deal documents before acting.

Plain English

Does this rental make enough money after costs?

This checks rent against vacancy, repairs, management, loan payment, and reserves.

Start here: Enter rent and loan payment first, then add realistic repair and vacancy costs.

Cash needed: Money you may need now, not later.

Reserve: Money kept aside for repairs or surprises.

Closing costs: Fees and charges paid when a home changes hands.

Net: What is left after costs are subtracted.

Stress-test the deal

Use conservative rent, vacancy, repairs, capex, management, debt, and reserve assumptions before treating a rental as profitable.

Deal signal

-$485 / month

Estimated cash flow after vacancy, operating reserves, and debt service. Adjust the inputs below and this signal updates.

Cap rate: 4.3%
Cash-on-cash: -6.8%
DSCR: 0.71
Reserve gap: $424

Purchase price

Initial repair budget

Down payment

Closing costs

Expected monthly rent

Vacancy and credit loss

Annual property tax

Annual insurance

Monthly HOA/condo fee

Maintenance reserve

% of rent

Capex reserve

% of rent

Management reserve

% of rent

Other monthly expenses

Monthly mortgage payment

Cash reserve after close

Due diligence checklist

Collect rent, leases, expenses, repairs, reserve, and rule evidence.

Build decision packet

Turn the deal into a printable evidence and risk summary.

Ownership cost check

Stress-test payment, holding time, and cash exposure inside the Property path.

Hold horizon

Compare transaction costs against the time you expect to hold.