CDEALANALYZER

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Acquisition

Revenue

Expenses

Results

Stress

Rentals • Long-Term Buy & Hold

Rentals Analyzer

Acquisition → Revenue → Expenses → Results → Stress

Cash flow doesn't lie. Your instincts might.Run the real numbers on your rental before your emotions make the decision.

Pro mode active

Acquisition & Financing

What you're paying to get in — purchase price, loan terms, taxes, and insurance that set the monthly housing payment the rent has to beat

CDEAL

Let's start with what it costs to own the property before we talk about rent.

Address / nickname

Financing Type

Purchase price

Down payment (%)

Down payment ($)

Use HELOC as Down Payment Financing

Closing costs ($) Using estimate

Using estimate (2.5% of purchase price). Starter estimate only. Actual closing costs vary by lender, location, and deal structure.

Closing cost treatment

Loan amount

Annual Interest Rate (%)

Loan term (years)

Cash invested (auto, for CoC)

Property taxes (monthly) $ %

Using estimate

Using estimate. You can override.

Insurance (monthly) $ %

Using estimate

Using estimate. You can override.

Monthly P&I (auto)

Monthly PITI (P&I + taxes + insurance)

$—

Auto-calculated from your loan inputs above

PITI Breakdown

Principal —

Interest —

Taxes —

Insurance —

Revenue

What the property earns each month — gross rent, other income, and the realistic vacancy assumption that separates confident underwriting from wishful thinking

CDEAL

Now the rent roll — what the property actually earns.

Rent input mode

Monthly rent (total)

Other income (monthly)

Vacancy (%)

Vacancy ($/mo): $0

Gross Revenue (monthly)

Vacancy Loss (monthly)

Effective Revenue (monthly)

Operating Expenses

The true cost of holding the property — utilities, maintenance, management, and the CapEx reserve that most landlords underbudget

CDEAL

Now what it costs to hold the property each month.

Utilities (monthly)

Repairs / Maintenance $ %

Management $ %

Miscellaneous (monthly)

CapEx Reserve $ %

For advanced DSCR (optional)

Total Expenses (monthly)

Expense Breakdown

Utilities—

Repairs/Maint.—

Management—

Miscellaneous—

CapEx Reserve—

Results & Analysis

The numbers that decide the deal — NOI, cash flow, DSCR, cap rate, and cash-on-cash return all on one screen

Strength: —

CDEAL

Here's what the deal actually is — the four numbers that decide whether to move.

Cash Flow Snapshot

Core monthly and annual cash flow outputs.

Monthly NOI

$—

Annual NOI

$—

Monthly PITI

$—

Annual PITI

$—

Monthly Cash Flow

$—

Annual Cash Flow

$—

Underwriting Metrics

Key performance metrics for this strategy.

DSCR

—

NOI ÷ P&I

Advanced DSCR (w/ CapEx)

—

Cap Rate

—

Cash-on-Cash Return

—

Break-Even Occupancy (%)

—

Break-Even Occupancy ($)

—

Monthly rent at break-even

Risk & Verdict

Decision summary and major deal risks.

Monthly Snapshot

Total

Monthly NOI —

Breakdown

Primary PITI —

HELOC Payment —

Monthly Cash Flow —

Vacancy \ Rent	-10%	Base	+10%
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Rental Property Manager

Track properties, units, rent, mortgage, OpEx, utilities, custom expenses, notes.

Properties: 0

Add property name

Select property

# of units

Monthly rent (total)

Mortgage PITI (monthly)

Vacancy (%)

Operating expenses (monthly)

Core OpEx (repairs, mgmt, lawn, etc.).

Utilities (monthly)

CapEx/Reserves (monthly)

For advanced DSCR

Cash Invested (total in)

Down payment + closing costs + rehab

Current Value (est.)

Current market value for cap rate

Custom Expenses

Add any extra expense you want (trash, water, HOA, internet, pest control, etc.).

Expense name

Monthly amount

Expense	Monthly	Action
No custom expenses yet.

Maintenance note

Notes	Action
No notes yet.

Manager Summary

Selected property performance + portfolio totals.

Health: —

Selected EGI (Monthly)

$—

Rent − vacancy.

Selected NOI (Monthly)

$—

EGI − OpEx total.

Selected Total OpEx (Monthly)

$—

OpEx + utilities + custom expenses.

Selected Cash Flow (Monthly)

$—

NOI − PITI − CapEx.

Selected DSCR

—

NOI ÷ entered monthly PITI. Uses full mortgage payment — not lender-style P&I only. (— if PITI = 0)

Selected Adv. DSCR (w/ CapEx)

—

(NOI − CapEx) ÷ entered monthly PITI.

Selected Cap Rate

—

Annual NOI ÷ current value.

Selected Cash-on-Cash

—

Annual CF ÷ cash invested.

Portfolio NOI (Monthly)

$—

Sum of all NOI.

Portfolio Cash Flow (Monthly)

$—

Sum of all properties.

Portfolio DSCR

—

Total NOI ÷ Total PITI entered.

Portfolio Adv. DSCR

—

Adjusted Total NOI ÷ Total PITI entered.

Total Units

—

Across all properties.

Tip
If a property is thin, raise rent, reduce OpEx, or refinance. Don’t “hope” it works.

All Properties Overview

Name	Units	NOI (Mo)	CF (Mo)
No properties yet.

Rental Property Investment Memo

Institutional underwriting summary and operator recommendation

CDealAnalyzer

Rental Property Investment Memo

—

— —

Deal Verdict

—

Underwriting Verdict

—

Deal Snapshot

Monthly Cash Flow —

Cash-on-Cash Return —

Cap Rate —

DSCR (Lender) —

Capital Deployed

Income Structure

Monthly Rent Allocation

Underwriting Strengths

Risk Flags

Recommendation

—

Risk Appendix

Downside Analysis & Operating Assumptions

—

Downside Analysis — Elevated Vacancy

Operating Assumptions

Sensitivity — Path to Threshold

Confirm rent comps, vacancy, taxes, insurance, and expense actuals before committing capital. Stated inputs only — not verified market data.

📚 Terms & Definitions — Rentals

▼

PITI

Principal, Interest, Taxes, and Insurance — the full monthly mortgage burden. Taxes and insurance belong here, not in operating expenses, so they are never double-counted.

NOI — Net Operating Income

Effective gross income minus operating expenses (utilities, repairs, management, CapEx, misc) — before taxes, insurance, and debt service. NOI tells you if the property is profitable as a business, independent of how it is financed.

Cash Flow

NOI minus full PITI (principal, interest, taxes, and insurance). Operating expenses exclude taxes and insurance, so the full PITI is deducted here. Positive cash flow means the property pays you after all costs.

DSCR — Debt Service Coverage Ratio

NOI divided by P&I debt service only (Underwrite tab). A DSCR above 1.25 is healthy. Below 1.0 means income does not cover the mortgage. In Manager mode, the coverage ratio uses full PITI since separate P&I is not entered.

Cap Rate

NOI divided by purchase price. Useful for comparing properties independent of financing. A 7% cap rate means you earn 7% of the purchase price annually from operations.

Cash-on-Cash Return

Annual cash flow divided by total cash invested (down payment plus closing costs if paid in cash). Measures the return on your actual out-of-pocket investment.

The 1% Rule

A quick filter: monthly rent should be at least 1% of purchase price. A $200K property should rent for $2,000/mo minimum. It is a screening tool only — not a substitute for full underwriting.

Vacancy Rate

The percentage of time the property sits empty. Budget 5-10% for single family, 5-8% for multifamily in stable markets. Ignoring vacancy is one of the most common rookie mistakes.

Reserves

Cash set aside for repairs, vacancies, and emergencies. Rule of thumb: keep 3-6 months of total expenses in reserves before buying a rental. Without reserves, one bad month can break you.

Rentals Analyzer

Cash Flow Snapshot

Underwriting Metrics

Risk & Verdict

Underwriting Verdict

Deal Snapshot

Capital Deployed

Income Structure

Monthly Rent Allocation

Underwriting Strengths

Risk Flags

Recommendation

Downside Analysis — Elevated Vacancy

Operating Assumptions

Sensitivity — Path to Threshold

Don't guess on your next deal.