Our daily report covering US mortgage rates for domestic homebuyers, investors, and foreign nationals

Join 5,000+ VIP Priority Investors Getting the Best Deals!

Join 5,000+ Investors and receive details of exclusive investment opportunities before anyone else!

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. We’ll never spam or share your details! Cashflow Rentals in not a real estate agent, broker, mortgage lender or mortgage broker. We are real estate consultancy providing private investors with access to off-market investment properties and financing options from licensed mortgage brokers and lenders.

Get The Best DSCR Deals in Your Inbox!

Fill out the form below and check your email in a couple of minutes:

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. Cashflow Rentals in not a mortgage lender or broker. A licenced mortgage brokers specializing in DSCR loans will handle your enquiry directly

Get Pre-Approved For Your DSCR Loan Today!

Fill out the form below and check your email in a couple of minutes:

IMPORTANT NOTICE. We’ll never spam or share your details. Cashflow Rentals in not a mortgage lender or broker. A licenced mortgage brokers specializing in DSCR loans will handle your enquiry directly

Register Your Seat and Access Immediately

Fill out the form below and check your email in a couple of minutes:

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. This webinar is based on my own personal experience buying 120+ rental properties in the United States. All information is deemed to be reliable, but not guaranteed. 

Download the Guide and Due Diligence Checklist

Fill out the form below and check your email in a couple of minutes:

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. This report is based on my own personal experience buying 100+ rental properties in the United States. All information is deemed to be reliable, but not guaranteed. 

Download Property Factsheet

Fill out the form below and check your email in a couple of minutes:

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. Cashflow rentals is a consultancy company and does not act as a real estate broker. The information contained in the Financial Analysis Document was compiled from public records including the MLS and Tax Assessors office. All information is deemed to be reliable, but not guaranteed. 

Everything You Need To Know To Get Pre-Approved For U.S. Mortgages!

Fill out the form below to download the U.S. Buy to Let Mortgage Cheastsheet:

This field is for validation purposes and should be left unchanged.

We won’t spam you, we promise. From time to time we might send you news, tools, and free investor resources if we think you might find them useful, as well as details of new investment opportunities. You can opt out at any time.

Everything You Need To Know About The Cleveland Real Estate Market

Fill out the form below to download the Cleveland Real Estate Investor Report

This field is for validation purposes and should be left unchanged.

We won’t spam you, we promise. From time to time we might send you news, tools, and free investor resources if we think you might find them useful, as well as details of new investment opportunities. You can opt out at any time.

Everything You Need To Know About U.S. Taxes!

Fill out the form below to download the U.S. tax cheatsheet for Non-U.S. Residents:

This field is for validation purposes and should be left unchanged.

We won’t spam you, we promise. From time to time we might send you news, tools, and free investor resources if we think you might find them useful, as well as details of new investment opportunities. You can opt out at any time.

Download the Case Study Financials

Fill out the form below and check your email in a couple of minutes:

This field is for validation purposes and should be left unchanged.

IMPORTANT NOTICE. Cashflow rentals is a consultancy company and does not act as a real estate broker. The information contained in the Financial Analysis Document was compiled from public records including the MLS and Tax Assessors office. All information is deemed to be reliable, but not guaranteed. 

Request a Call Back

This field is for validation purposes and should be left unchanged.

Book a Call With Us

Interested in becoming a lender but still have questions? No problem!

You can book your complimentary 1-2-1 discovery call with Garnaco Group CEO, David Garner, right here.

Just click the button below, and you can pick a time in David’s personal diary to suit you to ask questions, request further due diligence, and discuss current opportunities.

*/ (function(){ const $ = (id) => document.getElementById(id); const fmt = (n, opts={}) => { const v = (isFinite(n) ? n : 0); const o = { style:'currency', currency:'USD', maximumFractionDigits:0, ...opts }; return new Intl.NumberFormat('en-US', o).format(v); }; const pct = (n, d=2) => `${(isFinite(n)? n : 0).toFixed(d)}%`;function payment(principal, annualRatePct, years) { const r = (annualRatePct/100)/12; const n = years*12; if (r === 0) return principal/n; return principal * (r * Math.pow(1+r, n)) / (Math.pow(1+r, n) - 1); } function balanceAfter(principal, annualRatePct, years, monthsElapsed) { const r = (annualRatePct/100)/12; const n = years*12; if (r === 0) return principal * (1 - monthsElapsed/n); const pmt = payment(principal, annualRatePct, years); return principal*Math.pow(1+r, monthsElapsed) - pmt*( (Math.pow(1+r, monthsElapsed) - 1)/r ); } function cumulativePrincipalPaid(principal, annualRatePct, years, monthsElapsed){ return principal - balanceAfter(principal, annualRatePct, years, monthsElapsed); }const ids = [ 'price','downPct','rate','term','rent','otherIncome','vacancy','mgmtPct', 'taxesAnnual','insAnnual','hoaMonthly','maintPct','repairsMonthly','otherMonthly','closingPct','initialRepairs', 'holdYears','appreciation','rentGrowth','expGrowth','sellCostPct','landPct','incomeTaxPct','cgTaxPct' ]; const out = { cashflow: $('m-cashflow'), caprate: $('m-caprate'), coc: $('m-coc'), dscr: $('m-dscr'), ads: $('m-ads'), noi: $('m-noi'),gsr: $('o-gsr'), vac: $('o-vac'), egi: $('o-egi'), opex:$('o-opex'), mort:$('o-mort'), oNoi:$('o-noi'),ltSale: $('lt-sale'), ltBal: $('lt-balance'), ltSell: $('lt-sellcosts'), ltCF: $('lt-cf'), ltPrin: $('lt-principal'), ltNet: $('lt-net'), ltProfit: $('lt-profit'), ltRoi: $('lt-roi'), ltAnn: $('lt-annualized'),cashNeeded: $('m-cashneeded') }; if (!out.cashflow) return;// Defaults const defaults = { price: 300000, downPct: 25, rate: 7.25, term: 30, rent: 2200, otherIncome: 0, vacancy: 5, mgmtPct: 8, taxesAnnual: 3600, insAnnual: 1500, hoaMonthly: 0, maintPct: 8, repairsMonthly: 100, otherMonthly: 0, closingPct: 3, initialRepairs: 0, holdYears: 5, appreciation: 3, rentGrowth: 2, expGrowth: 2, sellCostPct: 8, landPct: 20, incomeTaxPct: 24, cgTaxPct: 15 };// Initialize placeholders ids.forEach(id => { const el=$(id); if(el && !el.value) el.value = defaults[id] ?? ''; });function valNum(id){ const el = $(id); if(!el) return 0; const v = parseFloat(String(el.value).replace(/,/g,'')); return isFinite(v) ? v : 0; }function recalc(){ // Inputs const price = valNum('price'); const downPct = valNum('downPct'); const rate = valNum('rate'); const term = valNum('term');const rent = valNum('rent'); const otherIncome = valNum('otherIncome'); const vacancy = valNum('vacancy'); const mgmtPct = valNum('mgmtPct');const taxesAnnual = valNum('taxesAnnual'); const insAnnual = valNum('insAnnual'); const hoaMonthly = valNum('hoaMonthly'); const maintPct = valNum('maintPct');const repairsMonthly = valNum('repairsMonthly'); const otherMonthly = valNum('otherMonthly'); const closingPct = valNum('closingPct'); const initialRepairs = valNum('initialRepairs');const holdYears = valNum('holdYears'); const appreciation = valNum('appreciation'); const rentGrowth = valNum('rentGrowth'); const expGrowth = valNum('expGrowth'); const sellCostPct = valNum('sellCostPct');// Financing const downPayment = price * (downPct/100); const loanAmount = Math.max(price - downPayment, 0); const mortPmt = (loanAmount>0 && term>0) ? payment(loanAmount, rate, term) : 0; const ads = mortPmt * 12;// Income (monthly) const grossMonthly = rent + otherIncome; const vacancyLoss = grossMonthly * (vacancy/100); const egiMonthly = grossMonthly - vacancyLoss;// Operating expenses (monthly) const mgmtMonthly = rent * (mgmtPct/100); // mgmt on rent only (common) const maintMonthly = rent * (maintPct/100); const taxesMonthly = taxesAnnual/12; const insMonthly = insAnnual/12;const opexMonthly = mgmtMonthly + maintMonthly + taxesMonthly + insMonthly + hoaMonthly + repairsMonthly + otherMonthly;// NOI (annual, pre-debt) const noiAnnual = (egiMonthly - opexMonthly) * 12;// Metrics const capRate = price>0 ? (noiAnnual/price)*100 : 0; const monthlyCashFlow = egiMonthly - opexMonthly - mortPmt; const cashNeeded = downPayment + (price * (closingPct/100)) + initialRepairs; const coc = cashNeeded>0 ? ((monthlyCashFlow*12)/cashNeeded)*100 : 0; const dscr = ads>0 ? (noiAnnual/ads) : 0;// Long-term (simplified projections) const months = holdYears*12; const futurePrice = price * Math.pow(1 + (appreciation/100), holdYears); const sellCosts = futurePrice * (sellCostPct/100); const loanBal = balanceAfter(loanAmount, rate, term, months); const principalPaid = cumulativePrincipalPaid(loanAmount, rate, term, months);// Grow rent & expenses with separate growth rates (straight-line monthly comp approx) const growthRentMonthly = rent * Math.pow(1 + (rentGrowth/100), holdYears); const avgRentMonthly = (rent + growthRentMonthly)/2; // simple average over period const avgOtherIncMonthly = otherIncome; // assume flat const avgGrossMonthly = avgRentMonthly + avgOtherIncMonthly; const avgVacLoss = avgGrossMonthly * (vacancy/100); const avgMgmtMonthly = avgRentMonthly * (mgmtPct/100); const growthMaintMonthly = (rent * (maintPct/100)) * Math.pow(1 + (expGrowth/100), holdYears); const avgMaintMonthly = (rent*(maintPct/100) + growthMaintMonthly)/2;const growthTaxesMonthly = taxesMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgTaxesMonthly = (taxesMonthly + growthTaxesMonthly)/2;const growthInsMonthly = insMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgInsMonthly = (insMonthly + growthInsMonthly)/2;const growthHOA = hoaMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgHOA = (hoaMonthly + growthHOA)/2;const growthRep = repairsMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgRep = (repairsMonthly + growthRep)/2;const growthOther = otherMonthly * Math.pow(1 + (expGrowth/100), holdYears); const avgOther = (otherMonthly + growthOther)/2;const avgEGIMonthly = avgGrossMonthly - avgVacLoss; const avgOpexMonthly = avgMgmtMonthly + avgMaintMonthly + avgTaxesMonthly + avgInsMonthly + avgHOA + avgRep + avgOther; const avgNOIAnnual = (avgEGIMonthly - avgOpexMonthly) * 12; const avgMonthlyCashFlow = avgEGIMonthly - avgOpexMonthly - mortPmt;const cfCumulative = avgMonthlyCashFlow * months; const netProceeds = Math.max(futurePrice - sellCosts - loanBal, 0); const totalProfitPreTax = cfCumulative + principalPaid + (netProceeds); // double counts? No: netProceeds already subtracts remaining loan; principalPaid counts via cash flow equity growth — we keep both cash flow + net proceeds (which is equity at sale). principalPaid is embedded in netProceeds vs original loan? Common approaches vary; we’ll show both CF and Net separately below and include principal explicitly. // To avoid double counting principal: treat netProceeds as (future equity realized) and ONLY add CF. We'll present principalPaid separately in UI. const totalProfit = cfCumulative + netProceeds; // preferred: CF + Net Sale (no double-count) const roiTotal = cashNeeded>0 ? (totalProfit / cashNeeded) * 100 : 0; const annualizedSimple = holdYears>0 ? (roiTotal/holdYears) : 0;// Outputs out.cashflow.textContent = fmt(monthlyCashFlow, {maximumFractionDigits:0}); out.caprate.textContent = pct(capRate, 2); out.noi.textContent = `NOI: ${fmt(noiAnnual, {maximumFractionDigits:0})}/yr`; out.coc.textContent = pct(coc, 2); out.cashNeeded.textContent = `Cash Invested: ${fmt(cashNeeded, {maximumFractionDigits:0})}`; out.dscr.textContent = `${(isFinite(dscr)? dscr : 0).toFixed(2)}×`; out.ads.textContent = `Annual Debt Service: ${fmt(ads, {maximumFractionDigits:0})}`;out.gsr.textContent = fmt(grossMonthly, {maximumFractionDigits:0}); out.vac.textContent = `−${fmt(vacancyLoss, {maximumFractionDigits:0})}`; out.egi.textContent = fmt(egiMonthly, {maximumFractionDigits:0}); out.opex.textContent = `−${fmt(opexMonthly, {maximumFractionDigits:0})}`; out.oNoi.textContent = fmt(noiAnnual, {maximumFractionDigits:0}); out.mort.textContent = `−${fmt(mortPmt, {maximumFractionDigits:0})}`;out.ltSale.textContent = fmt(futurePrice, {maximumFractionDigits:0}); out.ltBal.textContent = fmt(Math.max(loanBal,0), {maximumFractionDigits:0}); out.ltSell.textContent = `−${fmt(sellCosts, {maximumFractionDigits:0})}`; out.ltCF.textContent = fmt(cfCumulative, {maximumFractionDigits:0}); out.ltPrin.textContent = fmt(Math.max(principalPaid,0), {maximumFractionDigits:0}); out.ltNet.textContent = fmt(netProceeds, {maximumFractionDigits:0});out.ltProfit.textContent = fmt(totalProfit, {maximumFractionDigits:0}); out.ltRoi.textContent = pct(roiTotal, 2); out.ltAnn.textContent = pct(annualizedSimple, 2); }// Wire up listeners ids.forEach(id=>{ const el = $(id); if(!el) return; el.addEventListener('input', recalc); el.addEventListener('change', recalc); });// Buttons const btnSample = document.getElementById('rpc-load-sample'); const btnReset = document.getElementById('rpc-reset');btnSample && btnSample.addEventListener('click', ()=>{ Object.entries(defaults).forEach(([k,v])=>{ const el=$(k); if(el) el.value=v; }); recalc(); const adv = document.getElementById('rpc-adv'); if(adv && !adv.open) adv.open = true; }); btnReset && btnReset.addEventListener('click', ()=>{ ids.forEach(id=>{ const el=$(id); if(el){ el.value=''; }}); // sensible blank state recalc(); });// Initial if (out.cashflow) { recalc(); } })();
Go to Top