CrankyBooks · Appendix B

Rental Property
Investment Analyzer

Fill in what you know. The math will be honest even when the seller isn't.
01 / The Purchase
$
Enter the full purchase price in dollars — e.g. 350000 for $350,000
Enter a purchase price greater than $0
%
Enter a percentage, not a dollar amount — e.g. 25 means 25% down
Enter a percentage between 1 and 100 — e.g. 20 for 20% down. Do not enter a dollar amount here.
Will calculate once you enter price and down payment above
%
Annual interest rate as a percentage — e.g. 7.25 for 7.25%
Enter your annual interest rate as a number — e.g. 7.25 for 7.25%
years
Loan length in years — typically 15 or 30
Enter loan term in years — typically 15 or 30
Closing costs are separate. Enter them below for an accurate cash-on-cash return.
02 / The Property
03 / Monthly Rental Income
$
Monthly rent in dollars
$
Monthly rent in dollars
$
Monthly rent in dollars
$
Monthly rent in dollars
Enter at least one monthly rent amount above
$
Monthly dollars — laundry, parking, storage, etc. Leave blank if none.
04 / Annual Operating Expenses
All expense fields are annual totals in dollars — e.g. enter 3600 for $3,600/year in taxes.
$ / year
Annual property tax bill in dollars
Check this amount — it may be too high for an annual tax bill
$ / year
Annual landlord insurance premium
Check this amount — it may be too high for an annual insurance premium
$ / year
Annual water & sewer if owner-paid
$ / year
Gas, electric, trash if owner-paid
$ / year
Budget 5–10% of gross rent annually
Check this amount — it may be too high for annual repairs
$ / year
Roof, HVAC, appliances — set aside monthly
Check this amount — it may be too high for a CapEx reserve
%
Percentage of gross rent — enter 8 for 8%. Typical range: 5–10%.
Enter a percentage between 0 and 100 — e.g. 8 for 8%
%
Percentage of collected rent — enter 10 for 10%. Enter 0 if self-managing.
Enter a percentage between 0 and 50 — e.g. 10 for 10%
If you manage it yourself, enter 0%. But be honest about whether you actually will.
$ / year
HOA fees, accounting, legal — annual total in dollars
$
Total closing costs in dollars — added to your cash invested for CoC accuracy
Please fix the following before running the analysis
Disclaimer This tool is for educational and preliminary planning purposes only. It is not financial, legal, tax, lending, or investment advice. Actual results depend on lender terms, property condition, rents, taxes, insurance, vacancy, repairs, local laws, and buyer circumstances. Consult qualified professionals before purchasing or financing any property.