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.
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NOI
See the property income before debt service.
Annual NOI$18,000
Effective gross income$27,360
Operating expenses$9,360
FormulaNOI = gross potential income - vacancy loss - operating expenses
NOI isolates property operations before loan payments, income tax, depreciation, and owner-specific financing.
- Operating expenses should include recurring property costs, not mortgage principal/interest or income taxes.