Rental Property Analyzer

Underwrite a rental purchase the way a lender or an experienced buyer does. Inputs: price, closing costs, initial repairs, down payment, rate and term; rent and other income, vacancy; property tax, insurance, repairs, capital reserves, management, HOA, utilities; rent growth, expense growth, appreciation, holding period and selling costs. The workbook builds a 360-month amortisation and a 30-year projection: gross rent, vacancy, effective gross income, every expense line, NOI, debt service split into interest and principal, cash flow before tax, property value, loan balance, equity, and the net sale in the holding year.

Metrics: purchase and all-in cap rate, cash-on-cash, DSCR, gross rent multiplier, the 1% rule, break-even occupancy, operating expense ratio, total cash invested, cash flows over the hold, net sale proceeds, equity multiple, IRR (cash invested at year 0, then each year's cash flow including the sale) and average cash-on-cash. The IRR series is laid out beside the metrics so you can see what it is computed from.

• 14 metrics and five projection years recalculated with a formula engine and matched to an independent Python replica before listing.
• Live formulas, no macros, no locked cells; opens in Excel and Google Sheets.
• Before income tax. Depreciation, tax on sale, refinancing and rate resets are outside the workbook and the Guide says so. Arithmetic on your assumptions, not investment, tax or legal advice.