Free tools
Free calculators for one number. The full underwrite is under $3 a building.
Cap rate, cash-on-cash, DSCR and the 1% rule. Each one screens a deal on a single number. When a deal clears the screen, the full analysis reads the rest.
- Cap rate · 2 inputsCap Rate CalculatorCap rate (capitalization rate) is a property's net operating income divided by its price, the quickest read on unleveraged yield. It's how investors compare deals across markets, but it only tells you the going-in yield: it ignores financing, upside, and risk. Use it to screen, not to decide.
- Cash-on-cash return · 2 inputsCash-on-Cash Return CalculatorCash-on-cash return is your annual pre-tax cash flow divided by the actual cash you put in (down payment + closing + rehab). Unlike cap rate, it reflects your financing. It's the number that tells you what your invested dollars actually earn in year one.
- DSCR · 2 inputsDSCR CalculatorDSCR (debt service coverage ratio) is NOI divided by annual debt service. Lenders use it to size loans: it tells you how much cushion the property's income has over its mortgage payments. Below 1.0 means the property doesn't cover its own debt.
- Rent-to-price · 2 inputs1% Rule CalculatorThe 1% rule is a fast screen: monthly rent should be at least 1% of the purchase price. It's a rough filter, not a decision (it ignores expenses, taxes, and financing), but it's a quick way to throw out obvious non-cash-flow deals before you underwrite.
Exhibit 1 · A calculator vs the full analysis
- Inputs
- Calculator: The numbers you type in
- Full analysis: The listing, checked against the county roll, permits and HUD Section 8 rents
- Reads
- Calculator: One ratio
- Full analysis: 10 specialist reads and a 0-100 score
- Risk
- Calculator: Not modeled
- Full analysis: 10,000-path Monte Carlo on exit cap, rent growth, vacancy and expenses
- Price
- Calculator: Not given
- Full analysis: A pencil price: the most you can pay and still clear the lender's DSCR floor
- Time
- Calculator: Seconds
- Full analysis: 2-3 minutes
- Cost
- Calculator: Free
- Full analysis: 1 credit, under $3 on every plan
| Compared on | Free calculator | Full analysis |
|---|---|---|
| Inputs | The numbers you type in | The listing, checked against the county roll, permits and HUD Section 8 rents |
| Reads | One ratio | 10 specialist reads and a 0-100 score |
| Risk | Not modeled | 10,000-path Monte Carlo on exit cap, rent growth, vacancy and expenses |
| Price | Not given | A pencil price: the most you can pay and still clear the lender's DSCR floor |
| Time | Seconds | 2-3 minutes |
| Cost | Free | 1 credit, under $3 on every plan |
One credit runs one search or one full analysis. A credit costs under $3 on every plan.
The full read
Screen with one number. Decide with the full read.
10 specialist reads, a 10,000-path Monte Carlo and a pencil price on every listing you run. 2-3 minutes and under $3 a building.
- specialist reads per deal
- 10
- Monte Carlo paths
- 10,000
- per full analysis
- 2-3 min
- a building, any plan
- <$3