- How the sale price is set:
- Price growth
What will this investment actually earn?
See your IRR, cash-on-cash and equity multiple over the hold, and how they move if rent grows slower or you sell sooner.
- cumulative cash
1.04x: the income is 4% above the break-even point.
Hold period (rows) against rent growth (columns). Green cells (≥12%) are strong; yellow cells are workable; red cells are weak. Your inputs are the base case.
| Hold | +1% rent growth | +2% rent growth | +3% rent growth | +4% rent growth |
|---|---|---|---|---|
| 3yr | 3.6% | 3.8% | 4.0% | 4.3% |
| 5yr← you | 7.1% | 7.5% | 7.9% | 8.3% |
| 7yr | 8.2% | 8.7% | 9.2% | 9.8% |
| 10yr | 8.6% | 9.2% | 9.9% | 10.6% |
| 12yr | 8.6% | 9.3% | 10.0% | 10.8% |
The new DSCR and monthly cash flow if rent drops, insurance spikes or the unit sits vacant.
Go deeper
Cash-on-cash return (yearly cash flow as a % of the cash you put in), IRR (the annualized return on your equity, accounting for the full exit), and equity multiple — from day one through the sale.
Adjust the deal inputs — the IRR updates as you type. Then check the sensitivity table to see if the deal still works under slower rent growth or an earlier exit.
You put $106,250 down, collect cash flow each year, then the sale in year 5 returns the rest. The line crossing break-even is when your capital is back — the final point is total profit.
DSCR (debt-service coverage ratio) measures whether the property's net income covers the full loan payment. 1.04x means the income is 4% above the break-even point. Above the 1.00x floor most residential DSCR programs set, though with little room once operating costs are counted.
What happens if rent drops, insurance spikes, or you face a vacancy? Each scenario shows the new DSCR and your monthly out-of-pocket cost if cash flow goes negative.
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Check my DSCRPrinted November 9, 2026 · http://127.0.0.1:45643/tools/returns