The Dave Sheet
Real Estate Investment Calculator
Monthly Cash Flow
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Monthly Cash Flow
NOI − Mortgage Payment
What you pocket each month after all expenses and your mortgage are paid.
Annual Cash Flow
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Annual Cash Flow
Monthly Cash Flow × 12
Your total cash flow for the year.
Cash on Cash
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Cash-on-Cash ROI
Annual Cash Flow ÷ Cash Invested
Return on the cash you put in. 8–12% is good for rentals.
Cap Rate
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Capitalization Rate
Annual NOI ÷ Property Cost
Return independent of financing. 5–10% is typical.
LTV
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Loan-to-Value Ratio
Loan Amount ÷ Property Cost
Debt vs. property value. Over 80% usually requires PMI.
Exp. Ratio
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Expense Ratio
Expenses ÷ Operating Income
% of income going to expenses. Under 50% is healthy.
Monthly NOI
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Monthly NOI
Gross Income − Vacancy − Expenses
Profit before mortgage. The property's raw earning power.
Annual NOI
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Annual NOI
Monthly NOI × 12
Yearly NOI. Used for cap rate and comparing properties.
Capital In
Property Info
Single Family
Debt Service
Financing
Paid out of pocket
Amount: $50,000
30 Years
Operating Burn
Income
Laundry, parking, storage, etc.