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Rental Property Deal Analyzer (Estimates, Not Advice)

Structured brief Has example

Run the numbers consistently on a possible rental.

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Analyze a possible rental purchase and show your work. This is an educational estimate, not investment advice. Inputs: purchase price [PURCHASE_PRICE], down payment [DOWN_PAYMENT], interest rate [INTEREST_RATE], loan term [LOAN_TERM], monthly rent [MONTHLY_RENT], property tax [ANNUAL_PROPERTY_TAX], insurance [ANNUAL_INSURANCE], expected repairs [REPAIR_ESTIMATE], vacancy assumption [VACANCY_PERCENT], management fee [MANAGEMENT_FEE], and closing costs [CLOSING_COSTS].

Produce:
1. A table of monthly income and expenses with the formulas used, and monthly cash flow.
2. Key metrics with the formula for each: net operating income, cap rate, cash-on-cash return, debt service coverage, and gross rent multiplier.
3. A sensitivity table for rent down 10 percent, vacancy at 10 percent, interest rate up 1 point, and repairs doubled.
4. Break-even occupancy.
5. Assumptions I should verify and where to check each (comparable rents, tax records, insurance quotes, inspection).
6. Three reasons the deal could be worse than it looks.

Show every calculation so I can check it. Do not recommend buying or selling; list questions for a financial adviser.

This is general information to organize your work, not legal, tax, mortgage or investment advice. Have a licensed real estate professional or lawyer who knows [JURISDICTION] verify the output before you rely on it. All outputs are estimates from the inputs I gave; verify rents, taxes, insurance and financing terms before any decision.

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Inputs (fictional): price 250,000; down payment 50,000; rate 6.0%; 30 years; rent 1,900; tax 3,000/yr; insurance 1,200; repairs 1,800; vacancy 6%; management 8%.
Loan 200,000: payment = about 1,199/month. Income: 1,900 - vacancy 114 = 1,786. Expenses: tax 250, insurance 100, repairs 150, management 143 = 643. NOI per month = 1,786 - 643 = 1,143; annual 13,716. Cap rate = 13,716 / 250,000 = 5.5%. Cash flow = 1,143 - 1,199 = -56 a month. Cash-on-cash = -672 / 50,000 = -1.3%. DSCR = 13,716 / 14,388 = 0.95.
Sensitivity: rent -10% -> cash flow about -240/month.
Why it could be worse: repairs, vacancy, rate rises. Not advice.

• investing
• analysis