Rental property calculator

Rental property calculatorの使い方

何を計算するか、いつ使うか

Evaluate a buy-to-letまたはinvestment property by cash flow、cap 利率, cash-on-cash return, debt 塗布面積、the 合計 return if you sell after a holding 周期.

使い方の手順

1. Enter the 価格、頭金 割合、mortgage terms.
2. Enter 毎月 rent、expected empty periods、running costs.
3. Add rentとprice growth assumptions、how long you will hold it、selling. the cost
4. Check cash flow first、then cap 利率, cash-on-cash、IRR.

各入力項目の意味

• Rent 単位 月乗 – Gross rent before costs.
• Empty periods – rent lost〜gaps between tenants. 割合
• 税額とcharges, insurance – 毎年 property costs.
• Managementとrepairs – rent set aside 割合個でagents、maintenance、repairs.
• Growth rates – 毎年 rentと価格 increases.

結果の読み方

• Cash flow – Net operating income minus mortgage payments.
• Cap 利率 – Net operating income ÷ 価格.
• Cash-on-cash return – First-year cash flow ÷ cash 投資額.
• Debt 塗布面積 比 – Net operating income ÷ 毎年 mortgage payments. Lenders often want 1.25またはmore.
• IRR – The 毎年 return counting cash flowsとthe final sale.

計算式

NOI = rent × 12 × (1 − empty 割合) − 税額 − insurance − management. Cap 利率 = NOI ÷ 価格. Cash flow = NOI − mortgage payments. Cash-on-cash = cash flow ÷ (頭金 + buying costs). IRRはall yearly cash flows, including the sale, equal〜zero. the rate that makes the present valueです

計算例

A 250,000 property with 25% down 適用 6.5%、rented at 1,500 a month. NOIは4.72%. The mortgage 11,800, giving a cap rateは1,266.01 a month, so cash flowはabout −283 a month, debt coverage is 0.78ですですです、the first-year cash-on-cash returnは−4.85%. Grow乗ですとthe sale lift the 10-year IRR〜about 7.6%.

前提と限界

• the projection.の年 Fixed costs rise 2%
• 税額 on rental incomeとgainsはexcludedですとcan change the result a lot.
• The loanはrepaidですとthe holding period. the property sold at the end

よくある間違い

• Ignoring empty periodsとrepairs.
• Judging a deal by the cap 利率 alone without checking the mortgage.
• Assuming rentと価格 growth continue forever.

よくある質問

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