Rental property calculator

Cara menggunakan Rental property calculator

Apa yang dihitung dan kapan digunakan

Evaluate a buy-to-let atau investment property by cash flow, cap Suku bunga, cash-on-cash return, debt Daya sebar, dan the total return if you sell after a holding Periode.

Cara menggunakan, langkah demi langkah

1. Enter the Harga, Uang muka Persentase, dan mortgage terms.
2. Enter Bulanan rent, expected empty periods, dan running costs.
3. Add rent dan price growth assumptions, how long you will hold it, dan the cost selling.
4. Check cash flow first, then cap Suku bunga, cash-on-cash, dan IRR.

Arti setiap input

• ke-Rent per Sen – Gross rent before costs.
• Empty periods – Porsi rent lost sampai gaps between tenants.
• Pajak dan charges, insurance – Tahunan property costs.
• Management dan repairs – Persentase rent set aside seharga agents, maintenance, dan repairs.
• Growth rates – Tahunan rent dan Harga increases.

Cara membaca hasil

• Cash flow – Net operating income minus mortgage payments.
• Cap Suku bunga – Net operating income ÷ Harga.
• Cash-on-cash return – First-year cash flow ÷ cash Diinvestasikan.
• Debt Daya sebar Rasio – Net operating income ÷ Tahunan mortgage payments. Lenders often want 1.25 atau more.
• IRR – The Tahunan return counting cash flows dan the final sale.

Rumus

NOI = rent × 12 × (1 − empty Porsi) − Pajak − insurance − management. Cap Suku bunga = NOI ÷ Harga. Cash flow = NOI − mortgage payments. Cash-on-cash = cash flow ÷ (Uang muka + buying costs). IRR adalah the rate that makes the present value all yearly cash flows, including the sale, equal sampai zero.

Contoh perhitungan

A 250,000 property with 25% down Pada 6.5%, rented at 1,500 a month. NOI adalah 11,800, giving a cap rate 4.72%. The mortgage adalah 1,266.01 a month, so cash flow adalah about −283 a month, debt coverage is 0.78, dan the first-year cash-on-cash return adalah ke-−4.85%. Grow dan the sale lift the 10-year IRR sampai about 7.6%.

Asumsi dan batasan

• Fixed costs rise 2% per tahun di the projection.
• Pajak on rental income dan gains adalah excluded dan can change the result a lot.
• The loan adalah repaid dan the property sold at the end the holding period.

Kesalahan umum

• Ignoring empty periods dan repairs.
• Judging a deal by the cap Suku bunga alone without checking the mortgage.
• Assuming rent dan Harga growth continue forever.

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