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.

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.

More about this tool

Plain English: what does this planner check?

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.