Project total wealth over 1–30 year holds — Wealth Waterfall, IRR, and Wealth Break-Even Hold Period
Enter purchase price and monthly rent to see your lifetime wealth projection
Wealth Waterfall, Total ROI, and Annualized Return (IRR)
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A lifetime wealth projection tool for 1–30 year hold strategies
The Rental Property ROI Calculator helps you project how much total wealth a rental property will build over 1 to 30 years — and understand whether the annualized return is worth your time and capital. Unlike a standard real estate roi calculator that shows only Year 1 metrics, this investment property roi calculator models the full hold period to deliver both Total ROI % and Annualized Return (IRR). Whether you're evaluating a new acquisition or stress-testing an existing property's long term rental roi, this tool provides the multi-year perspective US buy-and-hold investors need in the 2026 market.
At the core of this tool is a 4-component Wealth Waterfall that breaks down Total ROI into: Pre-Tax Cumulative Cash Flow, Principal Paydown, Appreciation, and Estimated Depreciation Benefit — minus Sale Tax at exit (Depreciation Recapture + Capital Gains). This decomposition reveals not just how much a deal returns, but where that return comes from. The calculator supports hold periods from 1 to 30 years with standard analytical checkpoints at 5/10/15/20/25/30, and reports two primary metrics simultaneously: Total ROI % (absolute return over the hold period) and Annualized Return (IRR, time-normalized).
This tool works hand-in-hand with the Rental Property Calculator for Year 1 operating analysis. The recommended workflow: run the Rental Property Calculator first to validate Year 1 cash flow and DSCR, then click "Analyze long-term ROI" to pre-fill this tool and project lifetime wealth. For cross-strategy comparison (Rental vs BRRRR vs Fix and Flip), use the Compare Real Estate Deals tool. This calculator is designed for long-term buy-and-hold investors, retirement portfolio builders, and real estate professionals presenting 10–30 year projections to clients — not short-term flippers.
Tax transparency: All figures combine pre-tax cash flow with estimated depreciation benefit and deducted sale tax (Depreciation Recapture + Capital Gains). Annual income tax on rental profit is NOT modeled. This is partial after-tax, not fully after-tax. Results are projections based on your inputs, not guarantees. Consult a real estate CPA for precise tax planning. Enter your first property above, or import from Rental Property Calculator for instant long-term analysis.
From property inputs to 10-year wealth projection
Enter acquisition and financing details
Enter Purchase Price, Down Payment %, Closing Costs %, and any Initial Rehab budget. Then set Loan Rate, Loan Term, and Loan Type (Conventional, DSCR, or Portfolio). These inputs determine your Initial Cash Invested — the denominator of your ROI calculation. Tip: if you've already run this deal through the Rental Property Calculator, click "Analyze long-term ROI" on that page to import all inputs automatically via URL parameters.
Enter rental income and operating assumptions
Enter Monthly Rent, Vacancy %, Annual Rent Growth %, and OpEx % of Rent. Rent Growth 3% is the US national average (2–4% typical by market). Vacancy 8% is a conservative default — your market may differ. OpEx 35% accounts for repairs, management, insurance, property taxes, and reserves. Underestimating OpEx is the most common source of optimistic projections.
Set appreciation and hold period
Enter Annual Appreciation % — 3% is the US historical average for residential real estate. Hold Period ranges from 1 to 30 years; 10 years is the default for typical long-hold strategy. Warning: hold periods ≤3 years trigger a "short hold warning" because selling costs and sale tax heavily dominate the return at short holds. For Hold = 1 year, a special disclosure appears: sale tax treatment is approximate because actual short-term vs long-term treatment depends on exact holding dates.
Review tax parameters (Advanced — usually leave defaults)
Marginal Tax Rate, Land Value %, Selling Cost %, Federal LTCG Rate, and State CG Rate all have sensible defaults for most investors. Depreciation is automatically calculated over 27.5 years on the non-land portion of purchase + rehab. Sale tax uses a SPLIT formula: Depreciation Recapture (25%) on accumulated depreciation + LTCG on remaining gain. This is meaningfully more accurate than simplified "single rate" calculators. For state-specific accuracy, override State CG Rate (e.g., CA 9.3%, TX/FL/NV 0%).
Interpret Total ROI, Annualized Return, and Wealth Waterfall
The primary output shows Total ROI % over the hold period AND Annualized Return (IRR). The Wealth Waterfall breakdown shows where total wealth comes from: pre-tax cash flow + principal paydown + appreciation + estimated depreciation benefit, minus sale tax. For most long holds, Appreciation is the largest component (50%+ of Total Wealth) — this is leverage compounding over time. Use the Hold Period Sensitivity tab to see how "when you sell" affects your IRR. All figures combine pre-tax cash flow with estimated depreciation benefit and deducted sale tax. Annual income tax on rental profit is NOT modeled. Consult a real estate CPA for precise tax planning.
Pro Tip: Dual Metrics
Total ROI % shows how much wealth the deal creates; Annualized Return (IRR) shows whether it was worth the time. A 300% Total ROI over 25 years is weaker than 100% over 7 years on an annualized basis. Always judge by BOTH — they answer different questions.
Pro Tip: Waterfall Reading
If Appreciation is the biggest component of Total Wealth, the deal depends heavily on market assumptions. Run the Conservative scenario (−2pp appreciation) to stress-test. If Total ROI drops dramatically, the deal is "market-dependent."
Pro Tip: Hold Period Optimization
Use Hold Period Sensitivity mode to find your optimal exit year. IRR typically peaks at 7–15 years for most rentals — earlier exits lose to selling costs + sale tax; later exits spread returns over more time.
Pro Tip: Year 1 First
Run every deal through the Rental Property Calculator first to validate Year 1 cash flow and DSCR. Only after operating metrics pass should you analyze 10+ year ROI here. A deal that fails Year 1 rarely recovers through appreciation alone.
What you enter, what the calculator projects
| Input | Required | Default |
|---|---|---|
| Acquisition | ||
| Purchase Price | Yes | Enter purchase price |
| Down Payment % | Yes | 25% |
| Closing Costs % | Yes | 2% |
| Initial Rehab Budget | No | $0 |
| Financing | ||
| Loan Rate % | Yes | 7.5% |
| Loan Term (years) | Yes | 30 |
| Loan Type | No | Conventional |
| Rental Income | ||
| Monthly Rent | Yes | Enter monthly rent |
| Vacancy % | No | 8% |
| Annual Rent Growth % | No | 3% |
| OpEx % of Rent | No | 35% |
| Appreciation & Hold | ||
| Annual Appreciation % | No | 3% |
| Hold Period (years) | No | 10 (range 1–30) |
| Tax Parameters (Advanced) | ||
| Marginal Tax Rate % | No | 24% |
| Land Value % of Purchase | No | 20% |
| Selling Cost % | No | 7% |
| Federal LTCG Rate % | No | 15% |
| State Capital Gains % | No | 0% |
| Output | Formula | Purpose |
|---|---|---|
| Primary Metrics | ||
| Total ROI % | Total Wealth / Initial Cash × 100 | Absolute return over hold period |
| Annualized Return (IRR) | IRR of cash flow series Y0→YN | Time-normalized annual return |
| Total Wealth Created | 4 components − Sale Tax | Total dollar wealth created |
| Wealth Waterfall Components | ||
| Cumulative Cash Flow | Σ(Pre-Tax CF) years 1..hold | Operating income contribution |
| Principal Paydown | Original Loan − Remaining Balance | Equity built via amortization |
| Appreciation | Sale Value − Purchase Price | Market value growth |
| Estimated Depreciation Benefit | Annual Depr × Tax Rate × Years | Tax benefit estimate (not guaranteed) |
| MINUS Sale Tax | SPLIT: Recapture = 25% × min(AccumDepr, max(0,Gain)); LTCG = (Fed+State) × max(0,Gain−AccumDepr) | Tax at exit |
| Derived Metrics | ||
| Year 1 Cash-on-Cash % | Yr1 CF / Initial Cash × 100 | Cross-calc invariant (matches Rental Prop Calc) |
| Wealth Break-Even Hold Period | First year cumWealth > 0 | When deal turns wealth-positive |
| Equity at Sale | Sale Price − Remaining Loan | Pre-tax equity position |
| Net Proceeds at Sale | Sale Price − Costs − Loan − Sale Tax | Actual cash from sale |
6-phase simulation from acquisition to sale — with a worked Austin, TX 2026 example
Down Payment = Purchase × Down Payment %
Closing Costs = Purchase × Closing %
Initial Cash Invested = Down Payment + Closing Costs + Rehab
Monthly Payment = Loan × [Rate/12 × (1+Rate/12)^N] / [(1+Rate/12)^N − 1]
For each month m: Interest_m = Balance × Rate/12; Principal_m = Payment − Interest_m
Sum Principal payments over hold period → Principal Paydown (Wealth Waterfall)
Gross Rent_Y = Monthly Rent × 12 × (1 + Rent Growth)^(Y-1)
Effective Rent_Y = Gross Rent × (1 − Vacancy %)
NOI_Y = Effective Rent × (1 − OpEx %)
Pre-Tax Cash Flow_Y = NOI − Annual Debt Service
Annual Depreciation = (Purchase + Rehab) × (1 − Land %) / 27.5
Estimated Depreciation Benefit_Y = Depreciation × Marginal Tax Rate
Property Value_Sale = Purchase × (1 + Appreciation)^Hold
Selling Costs = Sale Value × Selling Cost %
Accumulated Depreciation = Annual Depreciation × Hold Period
Adjusted Basis = Purchase + Rehab − Accumulated Depreciation
Total Gain = (Sale Value − Selling Costs) − Adjusted Basis
// SPLIT Tax — Rule 3 canonical formula (NEVER single combined rate):
Recapture Tax = 25% × min(AccumDepr, max(0, Total Gain))
LTCG Gain = max(0, Total Gain − AccumDepr)
Capital Gains Tax = LTCG Gain × (Federal LTCG + State CG)
Total Sale Tax = Recapture Tax + Capital Gains Tax
// Loss-sale edge case: if Total Gain ≤ 0, all taxes = 0
Total Wealth = Cumulative Cash Flow + Principal Paydown + Appreciation
+ Estimated Depreciation Benefit − Total Sale Tax
Total ROI % = Total Wealth / Initial Cash Invested × 100
IRR cash flows: CF_0 = −Initial Cash; CF_1..N-1 = Pre-Tax CF per year
CF_N = Year N CF + Net Proceeds at Sale
Solve: NPV = Σ(CF_t / (1+IRR)^t) = 0 via Newton-Raphson (tolerance 0.01%)
If solver fails → CAGR fallback with "(approximated)" label + ⓘ info icon
Inputs: $300K purchase, 25% down, 2% closing, $0 rehab, 7.5% rate/30yr, $2,200/mo rent, 8% vacancy, 35% OpEx, 3% appreciation, 3% rent growth, 10-year hold, 24% marginal tax, 20% land, 7% selling cost, 15% Fed LTCG, 0% State CG
Phase 1: Initial Cash = $75,000 + $6,000 = $81,000
Phase 2: Loan = $225,000; Monthly P&I ≈ $1,573; Principal paid at Y10 ≈ $35,200
Phase 3: Year 1 NOI ≈ $16,750; Pre-Tax CF Yr1 ≈ −$1,100 (thin due to 7.5% rate); CF grows as rent grows
Phase 4: Sale value at Y10 = $300K × 1.03^10 = $403,175; Selling costs = $28,222; Remaining loan ≈ $189,800
Phase 5 SPLIT Tax: AccumDepr = $240K/27.5 × 10 = $87,273; Adj Basis = $300K−$87,273 = $212,727
Total Gain = ($403,175−$28,222)−$212,727 = $162,226
Recapture = 25% × min($87,273, $162,226) = $21,818; LTCG = 15% × ($162,226−$87,273) = $11,243
Total Sale Tax = $33,061 (vs single-rate at 15% = $24,334 — 36% underestimate)
Phase 6 Waterfall: CF≈$8–12K + PP≈$35K + Appre≈$103K + DepBenefit≈$6.3K − SaleTax≈$33K ≈ Total Wealth $119K–$123K
Total ROI ≈ 147% | IRR ≈ 11.5% | Wealth Break-Even ≈ Year 5
CRITICAL: Combined-Tax Formula Is Forbidden
Any formula applying a single combined rate to Total Gain is incorrect and explicitly rejected. The correct formula ALWAYS separates: Recapture Tax (25% × capped accumulated depreciation) + Capital Gains Tax (LTCG rate × remaining gain). The simplified single-rate approach underestimates tax liability by 20–35% in typical cases.
Lifetime wealth analysis vs. single-year operating snapshot
Traditional "rental ROI" often means Year 1 Cash-on-Cash return — a single-year snapshot of income against cash invested. Lifetime Rental ROI is fundamentally different: it measures total wealth created over a multi-year hold period (1–30 years, with standard checkpoints at 5/10/15/20/25/30). It includes four wealth drivers — cash flow, principal paydown, appreciation, and depreciation tax benefits — minus sale tax at exit. Most rental properties are weak on Year 1 cash flow but strong on 5-year+ Total ROI because appreciation and leverage compound over time. This calculator implements the full lifetime analysis with proper split tax treatment.
Total ROI alone doesn't tell you where the return came from. Decomposing Total Wealth into 4 components via the Wealth Waterfall reveals the deal's nature: a high Cash Flow component indicates operational efficiency; high Principal Paydown means leverage is working for you; high Appreciation means the deal is market-dependent (run Conservative scenario to stress-test); high Estimated Depreciation Benefit means a high-bracket investor extracts significant tax value. If Appreciation dominates (50%+), the deal is essentially a bet on future property values. If Cash Flow and Principal Paydown dominate, the deal is more resilient to market changes.
Annualized Return (IRR) measures per-year return including all cash flows and final sale, accounting for the time value of money. A 200% Total ROI over 25 years is actually lower IRR than 100% over 7 years. This calculator uses the SPLIT sale tax formula (Depreciation Recapture 25% + LTCG on remaining gain) — more accurate than simplified "single rate" calculators that underestimate tax liability by 20–35%. All outputs use "partial after-tax" framing: pre-tax cash flow + estimated depreciation benefit + sale tax. Annual income tax on rental profit is NOT modeled. Consult a CPA for precise after-tax analysis.
Interpreting the DUAL primary metrics + Wealth Break-Even
Total ROI answers "how much wealth did the deal create relative to my cash invested?" while Annualized Return (IRR) answers "at what annual rate did I earn that return?" Both matter — they answer different questions and should always be evaluated together.
For 20-year hold: roughly double; for 5-year hold: roughly half.
The Wealth Break-Even Hold Period is the year at which cumulative wealth (including hypothetical sale tax if sold that year) first turns positive. This is different from operational cash-flow break-even.
Post-2022 mortgage rates (7–8%) compress Year 1 cash flow significantly — many 2026 deals show negative or near-zero Year 1 cash-on-cash. Appreciation has normalized to 3–4% from the 2020–2022 surge. Rent growth moderated to 2–4% nationally. Many 2026 deals show weak Year 1 CoC (1–4%) but strong 10-year IRR (10–13%) because appreciation and principal paydown compensate for thin early cash flow. This is exactly why lifetime ROI analysis matters more than ever in 2026 — Year 1 metrics alone can make good deals look bad.
What total returns and IRR look like across hold periods
These ranges are illustrative patterns based on commonly-used assumption levels, not measured statistical datasets. Individual results depend heavily on your specific location, leverage, appreciation, and execution quality.
| Hold Period | Weak | Average | Strong |
|---|---|---|---|
| 5 Years | <50% | 50–90% | >90% |
| 10 Years | <120% | 120–220% | >220% |
| 15 Years | <220% | 220–400% | >400% |
| 20 Years | <360% | 360–650% | >650% |
| 25 Years | <550% | 550–1000% | >1000% |
| 30 Years | <800% | 800–1500% | >1500% |
Appreciation >70% means market-dependent. Cash Flow >20% means unusually strong operating economics.
Benchmarks disclaimer: These ranges reflect illustrative outcomes at commonly-used assumption levels (3% appreciation, 3% rent growth, 25% down, 30-year amortization). They are NOT measured statistical datasets, NOT market research, NOT predictions for any specific deal. Actual results depend on your specific inputs, local market, financing, execution quality, and tax situation. The calculator's output on YOUR inputs always takes precedence over these aggregate expectations.
Matching the analysis to your long-term goals
Start with 10-year hold at default assumptions (3% appreciation, 3% rent growth) and compare Forward ROI against IRR Tiers — aim for 9%+ IRR as a minimum threshold. Use the Conservative scenario to stress-test before committing capital. Validate Year 1 operations in the Rental Property Calculator first — deals that fail Year 1 rarely recover through appreciation alone.
Use Hold Period Sensitivity mode to identify the optimal exit year per property. Prioritize properties with high Principal Paydown component (leverage working in your favor). Watch for Appreciation-dominated deals (>60%) — market dependency adds portfolio-level risk. For 1031 Exchange planning to defer taxes on sale proceeds, consult a CPA (1031 Exchange is a v2 feature not modeled in v1).
Use 20–30 year hold periods to see cumulative wealth at your planned retirement year — appreciation and principal paydown compound dramatically at long holds. Focus on the Wealth Break-Even Hold Period to understand when the deal turns wealth-positive. Use Compare Sell Years mode to test "sell at retirement" vs. "sell earlier" scenarios. Estimated Depreciation Benefit compounds significantly over 20+ year holds.
Present the Wealth Waterfall visualization to clients as a clear breakdown of return sources — this builds trust and differentiates your presentations. Use Hold Period Sensitivity for "when should I sell?" conversations. IRR tiers provide a benchmarking framework for deal quality comparison. Always caveat: projections are not guarantees; recommend a real estate CPA for tax specifics before any major decision.
Run current properties at their actual current state — use today's property value as "purchase price" and the remaining hold period as the hold years. Compare "hold another 10 years" ROI against "sell now + redeploy" alternative. Consider whether the Appreciation component still has runway (late-cycle markets may have limited future appreciation). Use Compare Real Estate Deals to test "sell + buy BRRRR" or other redeployment scenarios.
When this calculator is the right tool
Pre-purchase long-term ROI validation
Before committing capital, validate that 10-year projected IRR meets your threshold (typically 9%+). Run Conservative scenario to confirm the deal survives reasonable market softening.
Portfolio hold-vs-sell decision
For an existing rental, run Forward ROI with remaining hold period to see projected wealth creation from today forward. Compare against "sell now + redeploy" via Compare Real Estate Deals.
Retirement planning with rental income
Model 20–30 year holds to see cumulative wealth at your planned retirement year. Shows how cash flow + appreciation + principal paydown combine into retirement portfolio value.
Client presentations (agents, advisors)
Use the Wealth Waterfall visualization to explain return drivers clearly to clients. PDF export provides documentation for investment conversations and lender presentations.
Estimated Depreciation Benefit planning
Quick estimate of annual depreciation tax benefit for planning purposes. Note: v1 assumes full deductibility — consult a CPA for passive activity loss implications at higher incomes.
Optimal hold period identification
Use Hold Period Sensitivity mode to find the hold period that maximizes IRR. Typically peaks at 7–15 years depending on leverage and appreciation assumptions.
Methodology standards and peer tool positioning
1–30 year hold periods with standard analytical checkpoints at 5/10/15/20/25/30 match institutional real estate analysis horizons. The 4-component wealth decomposition (cash flow + principal + appreciation + depreciation) aligns with CCIM and institutional REIT frameworks. 27.5-year residential depreciation per IRS §168 is standard. Split sale tax (Recapture 25% + LTCG per IRC §1250) is the correct treatment — not a simplified estimate. IRR as the annualization metric matches private equity and REIT reporting standards.
Pre-tax cash flow display matches BiggerPockets and DealCheck industry convention. Estimated Depreciation Benefit as a separate line (not blended into cash flow) prevents confusion. The split sale tax calculation (Recapture + LTCG) is the correct IRS treatment; most consumer calculators simplify to a single rate. "Partial after-tax" framing honestly discloses what IS and ISN'T modeled. Annual income tax on rental profit is intentionally not modeled — it's too personal-tax-situation-specific for a universal calculator.
BiggerPockets has strong single-year rental analysis but weaker multi-year lifetime wealth decomposition. DealCheck offers multi-year projections but uses a combined sale tax rate that underestimates liability. SparkRental has strong educational content but less detailed lifetime modeling. RealCalc Rental Property ROI is unique in: (a) 4-component Wealth Waterfall with visual breakdown, (b) split Recapture + LTCG tax formula (correct, not simplified), (c) 3 modes including Hold Period Sensitivity, and (d) cross-calculator invariant with Rental Property Calculator for Year 1 validation.
What Rental Property ROI cannot tell you
Total Wealth Created =
Pre-Tax Cash Flow
+ Principal Paydown
+ Appreciation
+ Estimated Depreciation Benefit
− Sale Tax (Recapture + LTCG)
This is a PARTIAL-TAX model:
✓ Includes: estimated depreciation benefit + sale tax (Recapture + LTCG)
✗ Excludes: annual income tax on rental profit, NIIT (3.8% for high earners),
passive activity loss limits, state income tax variations,
alternative minimum tax
Partial after-tax framing, not fully after-tax
Pre-tax cash flow is displayed with estimated depreciation benefit added and sale tax deducted. Annual INCOME tax on rental profit is NOT modeled. Passive activity loss limits (IRC §469), at-risk rules, NIIT (3.8% for high earners), and state income tax variations are all NOT modeled. See the Canonical Partial-Tax Model above. Consult a real estate CPA for precise after-tax analysis.
Estimated Depreciation Benefit is estimated, not guaranteed
The label "Estimated Depreciation Benefit" is intentional. The linear formula (Annual Depreciation × Marginal Tax Rate × Years) assumes full deductibility each year, which requires the property to be cash-flow positive, the investor to qualify under passive activity rules (IRC §469), and at-risk basis to be sufficient. Passive Activity Loss limits can cap deductibility. Consult a CPA for precise tax impact.
Sale tax simplified (still split, but approximate)
Uses Federal Depreciation Recapture (25%) + Federal LTCG + State CG, but does NOT model: NIIT 3.8% surtax for high earners, Alternative Minimum Tax, short-term capital gains on sub-1-year holds, or capital loss carryforward from other investments. Year 1 sale tax is especially approximate. More accurate than single-rate calculators, but not a tax preparation tool.
Appreciation and rent growth are assumptions
Future real estate values cannot be predicted. Small changes to the appreciation assumption produce large changes in Total ROI at long hold periods (especially 15+ years). The Conservative scenario (−2pp appreciation) stress-tests this. Results are projections based on YOUR inputs, not market forecasts.
Does not model 1031 Exchange, refinance, or portfolio rollover
v1 scope is limited to single-property hold-and-sell scenarios. 1031 Exchange (tax deferral via replacement property) requires replacement-property assumptions — this is a v2 roadmap feature. Mid-hold cash-out refinance also requires new loan terms — v2 feature. For multi-property portfolio analysis or 1031 planning, consult a financial advisor and qualified intermediary.
Not a substitute for professional advice
This is an educational and deal-screening tool. Before committing capital, consult: a real estate CPA for tax specifics, an attorney for entity structure, a lender for actual financing terms, and a real estate advisor for market specifics. This calculator is not investment advice and is not a substitute for professional tax, legal, or financial guidance.
Avoid these five errors
Comparing Total ROI across different hold periods
200% ROI over 20 years is weaker than 100% over 7 years on an annualized basis. Always compare IRR (annualized) when evaluating deals across different hold periods — not Total ROI %, which is not time-normalized.
Treating Estimated Depreciation Benefit as guaranteed savings
Passive activity loss limits, at-risk rules, and your personal tax situation can significantly reduce actual benefit. The linear formula assumes full deductibility each year, which many investors at higher incomes cannot achieve. Consult a CPA for precise tax planning.
Ignoring appreciation dependence in the Wealth Waterfall
If Appreciation is >60% of Total Wealth, the deal is essentially a bet on future property values — not a cash-flow-driven investment. Run the Conservative scenario (−2pp appreciation) to see how fragile the projection is. If Total ROI drops dramatically, the deal requires market tailwinds.
Overlooking sale tax impact at exit
Depreciation Recapture (25%) + LTCG can eat 20–30% of gross sale gains. Tax-free exits via 1031 Exchange are possible but require replacement property planning — not modeled in v1. Factor in the full split tax cost before comparing deals to alternative investments.
Using lifetime ROI without validating Year 1 operations first
A property that fails Year 1 DSCR or shows a deeply negative cash-on-cash rarely recovers through appreciation alone. Always run the Rental Property Calculator first; bring only operationally viable deals to lifetime analysis.
Common questions about rental property ROI analysis
Continue your analysis with these specialized tools
Rental Property Calculator
Year 1 operating analysis — cash flow, DSCR, CoC, NOI. Companion tool for single-year validation before lifetime ROI analysis.
Compare Real Estate Deals
Cross-strategy comparison — Rental vs Fix and Flip vs BRRRR. Use when evaluating multiple deals with different strategies.
Cap Rate Calculator
Fundamental valuation metric (NOI / Property Value). Quick screening before lifetime ROI analysis.
DSCR Calculator
Debt service coverage for lender underwriting. Validates financing feasibility before committing to a deal.
NOI Calculator
Operating income analysis — input for Cap Rate and lifetime ROI calculations.
BRRRR Calculator
BRRRR strategy analysis with refi-focused modeling. Compare BRRRR vs standard rental ROI with this companion tool.