Most first-pass rental math stops at rent minus mortgage. That is where bad deals hide. This analyzer forces the ordinary missing lines into the open: vacancy, management, maintenance, capex reserves, taxes, insurance, HOA, utilities, and debt service.
Use it as an educational screen, not an offer recommendation. If a deal only works after you delete realistic reserves, the reserves were not the problem.
Defaults are intentionally not rosy: 5% vacancy, 10% management, 8% maintenance, and 5% capex. Override them only if you can defend the number.
Cash left after operating expenses and principal/interest debt service.
Enter a purchase price and rent to see the read.
Educational screen| Gross monthly rent | $0 |
| - vacancy reserve | -$0 |
| = effective rent | $0 |
| - management, maintenance, capex | -$0 |
| - taxes, insurance, HOA, utilities, other | -$0 |
| = monthly NOI before debt | $0 |
| - monthly principal and interest | -$0 |
| = monthly cash flow | $0 |
A deal that only survives perfect conditions is not really surviving. These are quick pressure tests, not forecasts.
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