You’re not buying a property… you’re buying a set of numbers.
If you want to scale your next deal, stop “estimating” and start engineering the outcome with an investment calculator tied directly to your mortgage options.
What to plug in (so the output isn’t fantasy)
- Purchase price + down payment
- Rate + term (30-year, 15-year, ARM, DSCR, hard money)
- Closing costs (usually 2–5%)
- Taxes + insurance (use real quotes)
- Vacancy + repairs/CapEx + management (even if you self-manage)
What you’re looking for
- Cash flow you can defend (not “best case”)
- DSCR that keeps lenders saying yes (target ~1.25+ when possible)
- Cash-on-cash return that matches your next move (one strong deal vs. two solid ones)
Two fast stress tests before you commit
- Rate +1%: Do you still cash flow?
- Occupancy 85–90%: Does the deal survive real life?
If you want help matching the right loan to the right deal (and running the numbers the way pros do), join the REAZ Realty community: https://nas.io/reazrealty
