Invest
Underwrite a small rental without getting cute.
Cash flow, leverage, reserves, and downside in one clean pass.
Rent math first
Use Rent Yield to check cash flow, leverage, and downside before the story gets too optimistic.
Use assumptions you can defend
Vacancy, repairs, taxes, and PM drag matter more than clever output labels.
Know the downside
A thin spread on the front end becomes a rough hold later.
Real estate 101 calculators
Tiny inputs. Useful answers.
Fast screens for investors, landlords, tenants, and lenders. Each result shows the formula so the math stays inspectable.
InvestorsLenders
DSCR
Check whether property income covers debt.
DSCR1.32x
Annual debt service$22,800
FormulaDSCR = annual NOI / annual debt service
The property covers its modeled debt service.
- Many lenders like cushion above 1.00x, but exact requirements vary by lender, asset, market, and borrower.