The Rental Investment Analyzer is a deal-analysis calculator for rental properties. Plug in the basics of a property (rent, expenses, and financing), and it turns that into the key numbers you can use to judge whether a rental is healthy, tight, or risky—and how it holds up if things go sideways.

Learn how to use the Rental Investment Analyzer

Quick mode Calculations

• Effective Gross Income (EGI): your rent + other income, minus vacancy allowance
• Operating Expenses: taxes, insurance, condo fees, utilities (if owner-paid), management, and reserves (maintenance/CapEx)
• NOI (Net Operating Income): EGI − operating expenses (this is the “property’s income” before the mortgage)
• Mortgage payment + annual debt service: based on rate, amortization, and payment frequency (including accelerated schedules)
• Cash Flow: NOI − debt service (monthly + annual)
• Cap Rate: NOI ÷ property value/price
• DSCR: NOI ÷ annual debt service (how comfortably the property covers the mortgage)
• Cash-on-Cash return: annual cash flow ÷ total cash you invested (down payment + closing costs + renos + fees)
• Break-even rent: the rent required to cover expenses + mortgage given your vacancy assumption

Risk and Reality Check

It runs “what if” scenarios using your sliders:

• Rate shock: what happens if the mortgage rate rises (e.g., +1.00%)
• Rent drop: what happens if rent falls (e.g., −5%)
• Vacancy shock: what happens if vacancy is worse than expected
  And it shows how those change:
• monthly cash flow
• DSCR
• break-even rent

Pro mode (optional)

• Hold-period projection: year-by-year view of:
  • cash flow
  • principal paydown (equity gained by paying the mortgage down)
  • appreciation (assumption-based)
• Exit snapshot: estimated sale price, selling costs, remaining mortgage, net proceeds, total cash returned, and profit vs cash invested
• Refinance module (if enabled): a future-year estimate of max mortgage at a chosen LTV and potential net cash-out (illustrative)

Why the Rental Investment Analyzer is useful

• For investors: it answers “Will this property pay me, and how fragile is it if rates or rent change?”
• For realtors: it creates a consistent way to compare listings and produce a client-ready PDF deal summary.

Investor Thresholds

Conservative Investor

Mindset: “I don’t want surprises. I want cushion.”

Balanced Investor (Default)

Mindset: “I want growth, but I don’t want stress.”