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Real Estate ROI Calculator

Does This Deal Actually Work?

Enter your property numbers and instantly see your cash-on-cash return, NOI, and monthly payment — structured the right way.

Property (Sheet rows 2–5)
$
$
%
$256,000
Auto: Purchase × Down%
$0
Auto: Purchase − Down$ (row 5)
$
$
$
Income (rows 6–9)
$
$39,600
Auto: Monthly × 12 (row 7)
%
$37,620
Auto: Annual × (1−Vacancy%) (row 9)
Expenses / yr (rows 10–16)
$
$
$
$
$
$1,500
Auto-sum (row 15)
$36,120
Auto: Eff. Income − Total Expenses (row 16)
Mortgage (rows 17–25)
Interest Rate (row 18) 6.50%
Loan Term (row 19) 30 years
$0
Auto: PMT(rate/12, term×12, −loan) (row 20)
$
Enter manually ≈ 2% prop. value ÷ 12
$500
Auto: P&I + Escrow (row 22)
$6,000
Auto: PITI × 12 (row 23)
$6,000
Auto: Escrow × 12 only (row 25)
$30,120
Auto: NOI Excl T&I − Annual Mortgage
Est. Monthly Payment (PITI)
$500/mo
Principal & Interest / mo
$0/mo
Escrow (Tax & Ins.) / mo
$500/mo
NOI Excl. T&I / yr
$36,120/yr
Annual Mortgage / yr
$6,000/yr
Net Profit / yr
$30,120/yr
Total Investment
$339,180
Cash on Cash Return (row 36)
$30,120 ÷ $339,180
8.88%
Strong

CoC = Net Profit ÷ Total Investment. Total Investment = Down$ + Closing Costs + Remodelation + Refinance (rows 29–34). Escrow is entered manually — approx. 2% of property value ÷ 12 per month.

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The Bank Way vs. The Right Structure

Why complex deals slow down — and how the right setup changes everything

Traditional Banks
One-size-fits-all income guidelines
Struggle with multiple income streams & write-offs
Deals stall when the file isn't "perfect"
Focus on tax returns, not the full financial picture
Limited flexibility for $800K+ purchases
Growth capped by strict lending limits
Slow timelines and unnecessary friction
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Solutions for self-employed and non-traditional income
Optimized structures for $800K+ home purchases
Investor-friendly options, including DSCR strategies
Designed to keep deals moving — not stuck
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