Try a fictional investment case. No account needed, no property-data usage, and nothing saved.
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Adjust three numbers to see how they affect this fictional property.
Renovation & Refinance · Cash flow after the example’s permanent refinance.
$255/month
The modeled income covers the costs below, with this amount remaining each month.
After the modeled refinance. Before income taxes. Estimates are not guaranteed.
Monthly amounts are rounded for display. Check the source, rent, expenses, and lender terms before relying on this scenario.
$255 remains each month after the modeled expenses, reserves, and financing.
If rent is 10% lower: monthly cash flow becomes $221.
7 of 7 verification items remain. These are modeled results, not a purchase recommendation.
Modeled monthly cash flow is $255. Your selected investment target is $300 per month.
The property's income supports a smaller refinance loan than the limit based on its assumed value. Confirm the loan amount and terms with a lender.
The proposed price is $39,790 above the $125,210 limit for your selected strategy and targets. This limit is not the property's market value.
The asking price is $49,790 above the model limit. Review your assumptions and targets; this is not an appraisal or a prediction of what the seller will accept.
31.9% of total project cost remains after the modeled refinance, compared with your 15% target. Confirm whether that cash commitment fits your plans.
Purchase-price limits for your renovation and refinance strategy. These are not estimates of market value or what a seller will accept.
Allows for lower rent and value, higher costs, and more expensive financing.
Rent −10%; vacancy +2 percentage points; renovation costs +15%; after-repair value −8%; refinance interest +0.75 percentage points. Vacancy stays between 0% and 95%; interest stays at or above zero. Rent and renovation changes also apply to each dwelling.
At your entered purchase price: $213 monthly cash flow; $103,181 left in the deal after refinance. DSCR: 1.25×.
Uses the property assumptions and investment targets you entered.
Your entered assumptions, without scenario adjustments. Vacancy stays between 0% and 95%; interest stays at or above zero. Rent and renovation changes also apply to each dwelling.
At your entered purchase price: $255 monthly cash flow; $66,736 left in the deal after refinance. DSCR: 1.25×.
Depends on higher rent and value, lower costs, and more favorable financing.
Rent +5%; vacancy −1 percentage point; renovation costs −5%; after-repair value +5%; refinance interest −0.25 percentage points. Vacancy stays between 0% and 95%; interest stays at or above zero. Rent and renovation changes also apply to each dwelling.
At your entered purchase price: $276 monthly cash flow; $49,238 left in the deal after refinance. DSCR: 1.25×.
The Balanced offer is limited by Refinance Recovery. All three scenarios retain your targets: 7.5% cap rate, 20% equity cushion, 15% maximum cash left, and 1.25× DSCR.
Your assumed ARV: $265,000. Verify it with comparable sales. A higher offer relies on the favorable assumptions holding; it is not more likely. “No Fit” means no positive purchase price meets these targets. Some scenarios may produce the same limit.
Renegotiate. This measures the property against your selected investment targets; it is not an appraisal or a prediction.
Components use a 100-point scale. Cash flow, cap rate, and equity can earn up to 20 additional points for exceeding their targets. The overall weighted score is capped at 100.
−15 points: Offer exceeds recommended maximum
Loan approval, property value, and proceeds are not guaranteed. Verify acquisition interest and other carrying costs in your holding budget.
This renovation model deducts capital reserves from NOI. Its cash flow describes the modeled permanent refinance, not the repair period.
These scenarios vary rent, vacancy, repair costs, property value, and refinance interest assumptions. They are not market forecasts.
Your original analysis stays unchanged. No Property Checks or Analysis Saves are used.
Acquisition down payment changes upfront cash. The permanent refinance still uses your original value, LTV, and coverage targets. Additional dwelling project budgets stay unchanged.
| Result | Current Analysis | What If |
|---|---|---|
| Monthly Cash Flow | $255 | $255 |
| Cash Needed Before Refinance | $94,010 | $94,010 |
| Selected Rent / Month | $2,250 | $2,250 |
| Repairs & Dwelling Projects | $33,000 | $33,000 |
Monthly cash flow changes by $0.
Starts after the modeled renovation, lease-up, and refinance. Repair-period income and time are excluded. Growth rates are your assumptions, not forecasts. The starting example assumes no rent or property-value growth.
| Year | Annual Cash Flow | Loan Balance | Equity | Net Sale Proceeds |
|---|---|---|---|---|
| 1 | $3,056 | $144,344 | $120,656 | $104,756 |
| 2 | $2,849 | $142,897 | $122,103 | $106,203 |
| 3 | $2,637 | $141,337 | $123,663 | $107,763 |
| 4 | $2,421 | $139,657 | $125,343 | $109,443 |
| 5 | $2,201 | $137,846 | $127,154 | $111,254 |
| 6 | $1,977 | $135,894 | $129,106 | $113,206 |
| 7 | $1,748 | $133,791 | $131,209 | $115,309 |
| 8 | $1,514 | $131,524 | $133,476 | $117,576 |
| 9 | $1,276 | $129,081 | $135,919 | $120,019 |
| 10 | $1,033 | $126,449 | $138,551 | $122,651 |
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 net cash left after refinance. Income taxes, depreciation, tax benefits, inflation, additional projects, and recovery of unused cash reserves are excluded.
This is a fictional property, not a listing or a market estimate. The full analyzer lets you review and change every assumption.
The renovation model applies management, maintenance, and reserves to scheduled income. Acquisition interest is not added automatically; expected carrying costs belong in the holding budget.
Changes here stay in this page and disappear when you leave or reset it. No property lookup or saved-analysis allowance is used.