Real Estate Investment Calculator

Scenarios

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Notes

Projected Returns

Total ROI over — years

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Avg per year

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Expected annual income after payoff

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Uses your "current avg rental rate" inflated 3%/yr. If that rate falls short of break-even, the shortfall is added to your total invested; if it exceeds break-even, the surplus is added to your returns. Property appreciation: 3%/yr. Operating costs inflate 3%/yr; mortgage P&I is fixed. Horizon runs until the loan is paid off (extra payments shorten it).

Loan

Purchase price ($) Down payment (%) Down payment ($) computed Interest rate (% APR) Loan term (years) Closing costs ($)

Operating Costs

Simple Detailed

Your monthly operating expenses ($/mo)

Your portion of tax, insurance, HOA, utilities, maintenance, and supplies. All Loan and Operating inputs reflect your share — the calculator does not divide further. Switch to Detailed for an itemized breakdown.

Monthly Summary

Loan amount—

Cash to close—

Principal & interest—

Tax escrow—

Insurance escrow—

HOA—

Monthly operating expenses—

Total monthly carrying cost—

Total interest over loan life—

Total cost of loan (P+I)—

Extra Monthly Payment

Extra principal per month ($)

Payoff with extra—

Time saved—

Interest paid with extra—

Interest saved—

Fractional Ownership & Rental Break-even

Ownership share (1 / N) Days you have access per year Of those, days available to rent Occupancy rate (%) Property management fee (% of gross) Cleaning fee per booking ($) Avg length of stay (nights) Current avg rental rate ($/night)

Your share of annual carrying cost—

Nights rented per year (est.)—

Bookings per year (est.)—

Cleaning revenue (passthrough)—

Required gross rental revenue—

Break-even nightly rate—

Annual cash flow at current rate—

Interest + operating break-even

Year 1—

First 5 years (avg)—

Life of loan (avg)—

Nightly rate that covers loan interest + monthly operating expenses (excludes principal). Anything above this means rental income is paying for the cost of ownership and you're effectively building equity for free. Uses the baseline schedule (no extra payments).

Amortization Schedule

Annual view Include extra payment

#	Date	Payment	Principal	Interest	Extra	Balance	Cum. Principal	Cum. Interest