Management, maintenance, and CapEx are calculated from effective gross income after vacancy. Debt service is separate.
Dollar fields use live comma formatting and the large iPhone number pad.
Loan 1 is the purchase price minus the down payment. + splits that remainder into another loan. It does not add debt on top, and it does not change the down payment.
Leave the year at 0 to skip. Enter cash-out in dollars and the LTV is calculated, or enter an LTV and the cash-out is calculated. The new loan is the remaining balance plus cash-out and costs.
Set a year inside the hold period to include a refinance.
Value needed is annual NOI divided by the target cap rate. Financing is not included.
Optional. All dollar amounts are monthly. This builds annual NOI and fills the NOI field.
Same first-loan math as the deal calculator. Extra loans, adjustments, and refinance are not included. Load from Deal copies the property you are working on.
Same projection for both properties. Balloon year 0 means no balloon. In the balloon year, cash flow includes the remaining loan balance.
A 7 year balloon is one payment at the end of year 7, on payment 84. That payment already includes the last month's payment and the remaining principal.
Open a year to see each month. At Closing and the payoff stay outside the years.