Property Deal Calculator
Simple, effective, and investor-friendly. Enter figures and see yield, cap rate, cashflow, tax and equity instantly.
Purchase & Finance
Income & Expenses
Gross Yield
5.20%
$28,600 / yr
Cap Rate (Net Yield)
3.07%
NOI $16,872 / yr
Cashflow (After Debt)
$-10,501
Debt $27,373 / yr
Cash-on-Cash
-6.25%
Cash in $168,000
After-Tax Cashflow
$-10,501
Credit $0 / yr
Scenario Suggestions
Poor deal
Break-even Weekly Rent
$771 / wk
Break-even Monthly Mortgage
$2,281 / mo
Max Loan to Break Even
$237,301
Max Purchase Price @ Your Deposit
$402,301
Current Weekly Rent
$550 / wk
Interest Rate
5.89%
Vacancy uses days/year. Management is % of rent. Maintenance is an annual $. After-tax uses your tax settings below.
Interest Rate Sensitivity
Shows how annual cashflow changes ±2.00% around your current interest rate.
Capital Growth & Equity (10y)
Equity = Value − Loan. Appreciation and paydown components shown in the table below.
Tax Settings
Taxable Income
$-5,676
Deductible Interest
$22,548
Tax Credit
$0
Pre-Tax Cashflow
$-10,501
After-Tax Cashflow
$-10,501
Equity Build-up Breakdown
| Year | Value | Loan | Equity | From Growth | From Paydown |
|---|---|---|---|---|---|
| 0 | $550,000 | $385,000 | $165,000 | $0 | $0 |
| 1 | $566,500 | $380,174 | $186,326 | $16,500 | $4,826 |
| 2 | $583,495 | $375,056 | $208,439 | $33,495 | $9,944 |
| 3 | $601,000 | $369,629 | $231,371 | $51,000 | $15,371 |
| 4 | $619,030 | $363,873 | $255,157 | $69,030 | $21,127 |
| 5 | $637,601 | $357,769 | $279,832 | $87,601 | $27,231 |
| 6 | $656,729 | $351,295 | $305,434 | $106,729 | $33,705 |
| 7 | $676,431 | $344,430 | $332,001 | $126,431 | $40,570 |
| 8 | $696,724 | $337,149 | $359,575 | $146,724 | $47,851 |
| 9 | $717,625 | $329,427 | $388,198 | $167,625 | $55,573 |
| 10 | $739,154 | $321,238 | $417,916 | $189,154 | $63,762 |
Deal Summary
Deposit
$165,000
Loan
$385,000
Vacancy Loss
$1,097
Mgmt Fees
$2,431
Maintenance
$2,500
Other Opex
$5,700
NOI
$16,872
Annual Debt
$27,373