SFH Rental Analyzer

Single-family home — rental analyzer

Evaluating a purchase

Analyzing a property I own

Purchase

Purchase price ($)

Down payment % $

Closing costs $ %

Renovation costs ($)

Added to total cash to close. May be funded by 2nd loan.

First loan

Principal + interest

Interest only

Interest rate (%)

Loan term (yrs)

1st loan balance ($) auto-filled, edit to override

Extra monthly principal — 1st loan ($)

Second loan

Principal + interest

Interest only

Loan balance ($)

Interest rate (%)

Loan term (yrs)

Extra monthly principal — 2nd loan ($)

Set balance to 0 if no second loan.

Cash flow reinvestment

Reinvest positive cash flow into loans

Income

Monthly rent ($)

Vacancy (%)

Annual rent growth (%)

Operating expenses

Property tax ($/yr)

Insurance ($/yr)

Maintenance (% of value)

CapEx reserve (% of value)

Mgmt fee (% of rent)

HOA ($/mo)

Utilities ($/mo)

Landscaping / trash ($/mo)

Accounting / legal ($/yr)

Other annual ($)

Forward appreciation (%)

Financing

Cash to close

—

1st loan balance

—

2nd loan balance

—

Performance

Monthly cash flow

—

Cash-on-cash return

—

≥ 8% = strong

Cap rate

—

≥ 6% = strong

Net operating income

—

annual

Break-even occupancy

—

≤ 80% = cushion

Annual cash flow

—

Operating expenses — monthly breakdown

Monthly cash flow

Deal summary

20-year projection

Year	Property value	1st loan bal	2nd loan bal	Equity	Annual CF	Cumulative CF	Total ROI