Real Estate Investment Tools

Smart Calculators for Smarter Deals

Analyze your investment before you commit. Built for real estate investors who need fast, accurate numbers.

Required Must be filled
Optional Improves accuracy
DSCR Calculator
Cap Rate Calculator
Fix & Flip Calculator

DSCR Loan Calculator

Debt Service Coverage Ratio — determines if rental income covers mortgage payments. Most lenders require a minimum DSCR of 1.20.

Rental Income
Monthly Gross Rent Required ?Total rent from all units per month before any deductions.
$
Vacancy Rate Optional ?% of time the property sits vacant. Typical: 5–10%.
%
Annual Operating Expenses
Property Taxes Required$
Insurance Required$
HOA / Other Fees Optional$
Maintenance & CapEx Optional ?Budget ~1% of property value per year for repairs and capital expenditures.
$
Property Management Optional ?Typically 8–12% of gross rent if using a property manager.
$
Other Expenses Optional$
Loan Details
Loan Amount Required$
Interest Rate Required%
Loan Term Optionalyrs


Calculate DSCR Ratio



Clear All Fields


Analysis Results
—
DSCR Ratio—Target ≥ 1.20
Annual NOI—Net Operating Income
Annual Debt Service—Monthly: —
Annual Cash Flow—After all costs & debt


Visual Analysis
Income · Expenses · Debt Service
Annual Income vs Expenses vs Debt

Gross Income
Op. Expenses
Debt Service
Cash Flow
Where Your Income Goes

Cap Rate Calculator

Capitalization Rate — measures the return on a property based on net income, completely independent of financing method or loan terms.

Income
Gross Annual Rental Income Required ?Total rent from all units per year at 100% occupancy before any deductions.
$
Vacancy & Credit Loss Optional ?Combined % reduction for vacancies and non-paying tenants. Typical: 5–10%.
%
Other Annual Income Optional ?Parking, laundry, storage, pet fees, or any other non-rent income.
$
Annual Operating Expenses
Property Taxes Required$
Insurance Required$
Utilities (Landlord Paid) Optional$
Maintenance & Repairs Optional$
Property Management Optional$
HOA / Admin / Other Optional$
Property Valuation
Current Market Value Required ?Current appraised value or purchase price — do not include financing costs.
$
Target Cap Rate Optional ?Back-calculates your ideal purchase price. Typical range: 4–10%.
%


Calculate Cap Rate



Clear All Fields


Analysis Results
—
Cap Rate—NOI ÷ Market Value
Net Operating Income—After vacancy & expenses
Eff. Gross Income—After vacancy loss
Ideal Buy Price—At your target cap rate

Total Operating Expenses	—
Expense Ratio	—
Price-to-NOI Multiple	—

Visual Analysis
Income · NOI · Valuation
Income Breakdown (Annual)

EGI vs Expenses vs NOI

Eff. Gross Income
Total Expenses
Net Op. Income

Fix & Flip Calculator

Full deal analysis — purchase, renovation, financing, holding costs, and sale — with net profit, ROI, and 70% Rule check.

Acquisition
Purchase Price Required$
After Repair Value (ARV) Required ?Estimated market value after all renovations are complete.
$
Down Payment / Cash In Required ?Your out-of-pocket cash toward the purchase. Hard money requires 10–30%.
$
Purchase Closing Costs Optional ?Title, escrow, inspection, origination fees. Typically 1–3% of purchase price.
$
Renovation
Rehab Budget Required$
Contingency Buffer Optional ?Reserve for unexpected costs. Industry standard: 10–20% of rehab budget.
%
Financing & Holding Costs
Loan Amount Required$
Interest Rate (Hard Money) Required%
Origination Points Optional ?Upfront fee charged by hard money lenders. Typically 1–3 points (% of loan).
pts
Hold Period Optional ?Estimated months from purchase closing to final sale closing.
mo
Monthly Holding Costs Optional ?Taxes, insurance, utilities, HOA during renovation and listing period.
$
Sale
Agent Commission Optional ?Total seller-side commission as % of sale price. Typical: 5–6%.
%
Sale Closing Costs Optional$


Calculate Profit & ROI



Clear All Fields


Analysis Results
—
Net Profit—After all costs
Cash-on-Cash ROI—Return on cash invested
Annualized ROI—Projected annual rate
70% Rule Max Offer—ARV × 70% − Rehab

Purchase Price	—
Renovation (incl. contingency)	—
Financing Costs (interest + points)	—
Holding Costs	—
Purchase Closing Costs	—
Sale Costs (commission + closing)	—
Total All-In Cost	—
After Repair Value (ARV)	—

Visual Analysis
Costs · Profit · ROI
Cost Breakdown

Cost vs Profit vs Sale Price

All-In Cost
Net Profit
ARV (Sale Price)

For informational and educational purposes only. Not financial or legal advice.
Ready to move forward? Contact Harris Money to discuss your deal with a loan officer.