Every Assumption Has An Impact.
Try a fictional investment case. No account needed, no property-data usage, and nothing saved.
New to investing terms? Open The Investing Glossary (opens in a new tab). Hover over a raised “i” for a quick explanation.Tap a raised “i” for its definition in a new tab.
What Changes The Picture?
Adjust three numbers to see how they affect this fictional property.
Rental Purchase · Cash flow after the example’s purchase mortgage.
Monthly Cash Flow
$515/month
The modeled income covers the costs below, with this amount remaining each month.
Based on your purchase financing. Before income taxes. Estimates are not guaranteed.
Your Monthly Budget
- Income After VacancyRent and other income, less your vacancy allowance
- $2,138
- Operating CostsTaxes, insurance, management, maintenance, and other ownership costs
- −$734
- Mortgage & Loan CostsPrincipal, interest, and any entered mortgage insurance
- −$782
Monthly amounts are rounded for display. Check the source, rent, expenses, and lender terms before relying on this scenario.
Income Covers The Modeled Costs
$515 remains each month after the modeled expenses, reserves, and financing.
If rent is 10% lower: monthly cash flow becomes $346.
7 of 7 verification items remain. These are modeled results, not a purchase recommendation.
Purchase Financing & Upfront CashSee how the purchase price, loan, repairs, and initial reserves add up.
DSCR divides NOI by modeled debt service. Lender definitions and qualification requirements may differ.
Income, Returns, & Break-EvenExplore annual income, cap rates, and the occupancy needed to cover costs.
NOI and cap rates are before capital reserves and financing. Cash flow and break-even include both. Break-even above 100% means full occupancy would not cover costs.
What If Rent Changes?Compare rent at 10% below and above your assumption.
This rental analysis does not assign a refinance-based grade. Use What Price Works to explore your cash-flow goal separately from market value.
Compare A What-If ScenarioTry a different price, rent, loan, or repair budget beside your current analysis.
Your original analysis stays unchanged. No Property Checks or Analysis Saves are used.
| Result | Current Analysis | What If |
|---|---|---|
| Monthly Cash Flow | $515 | $515 |
| Cash Required | $83,450 | $83,450 |
| Selected Rent / Month | $2,250 | $2,250 |
| Repairs & Dwelling Projects | $33,000 | $33,000 |
| Cash-On-Cash Return | 7.4% | 7.4% |
Monthly cash flow changes by $0.
Long-Term Ownership ProjectionExplore cash flow, loan paydown, equity, and a possible sale over time.
Starts at purchase and uses your purchase mortgage or cash financing. Your optional refinance is not applied. Growth rates are your assumptions, not forecasts. The starting example assumes no rent or property-value growth.
View Year-By-Year Details
| Year | Annual Cash Flow | Loan Balance | Equity | Net Sale Proceeds |
|---|---|---|---|---|
| 1 | $6,177 | $122,367 | $42,633 | $32,733 |
| 2 | $5,976 | $120,891 | $44,109 | $34,209 |
| 3 | $5,770 | $119,316 | $45,684 | $35,784 |
| 4 | $5,560 | $117,636 | $47,364 | $37,464 |
| 5 | $5,346 | $115,844 | $49,156 | $39,256 |
| 6 | $5,127 | $113,931 | $51,069 | $41,169 |
| 7 | $4,905 | $111,890 | $53,110 | $43,210 |
| 8 | $4,678 | $109,713 | $55,287 | $45,387 |
| 9 | $4,446 | $107,389 | $57,611 | $47,711 |
| 10 | $4,209 | $104,910 | $60,090 | $50,190 |
Income and operating expenses (including reserve allowances) grow independently at the entered annual rates. The loan rate and payment stay fixed until payoff. Net sale proceeds deduct selling costs and the remaining loan. Total profit adds cumulative cash flow and net sale proceeds, then subtracts initial cash required. Income taxes, depreciation, tax benefits, inflation, additional projects, and recovery of unused cash reserves are excluded.
All Example AssumptionsSee the fixed costs, financing, and investment targets used alongside the sliders.
This is a fictional property, not a listing or a market estimate. The full analyzer lets you review and change every assumption.
25% down · 6.5% interest · 30 years. No optional future refinance is enabled. Management, maintenance, and capital reserves are included in the monthly budget.
- Management / Maintenance / Reserves
- 8% / 8% / 5%
- Annual Tax / Insurance
- $2,300 / $1,500
- Other Income
- $0/month
- HOA / Owner Utilities
- $0 / $0 per month
- Mortgage Insurance
- $0/month
Management, maintenance, and reserves are applied to income after vacancy in the rental purchase model.
Changes here stay in this page and disappear when you leave or reset it. No property lookup or saved-analysis allowance is used.