An investment. In perspective.

Pressure-test a rental property with your own assumptions.

Illustrative assumptions, not a lending quote, rent forecast, or tax estimate. Enter the actual property’s costs. Connecticut taxes vary by municipality and assessment.

The purchase

Purchase price ($)Down payment (%)Interest rate (%)

Loan term (years)

Closing costs ($)Initial repairs ($)

Income & operating costs

Monthly rent ($)Vacancy allowance (%)Annual property taxes ($)Annual insurance ($)Monthly HOA / other ($)Maintenance (% of rent)Management (% of rent)Capital reserve (% of rent)

Use HOA / other for recurring owner-paid utilities and additional monthly expenses. Maintenance, management, and reserves use gross scheduled rent.

Your rental snapshot

What the numbers say.

-$84 / month

Estimated cash flow after debt & reserves

6.06%Cap rate

-0.91%Cash-on-cash

1.04×Debt coverage

Loan amount: $262,500
Monthly principal & interest: $1,703
Effective monthly rent: $2,850
Monthly operating expenses: $1,082
Monthly capital reserve: $150
Annual net operating income: $21,220
Total upfront cash: $111,500

NOI excludes financing, income taxes, and capital reserves. Cash flow deducts financing and reserves. Upfront cash includes the down payment, closing costs, and initial repairs. Appreciation and tax benefits are excluded.

Let’s look at the actual property.

Adrian can help review the location, property condition, and assumptions before you take the next step.

Your assumptions and calculated results accompany the inquiry.

Put the return in context.

Verify current leases, local rental rules, assessments, insurance, major repairs, and financing terms. A positive projection does not guarantee a profitable investment.

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