Open the Deal Analyzer
Enter your name and email and the full analyzer opens — every input, the five-year pro forma and the charts. You will only be asked once on this device.
Enter your name and email and the full analyzer opens — every input, the five-year pro forma and the charts. You will only be asked once on this device.
Zen Coast UniversityResidential Deal Analyzer
What each year pays you, split four ways.
Property value against what you still owe.
Annualised return if you sold at the end of each year.
Cash-on-Cash is what lands in your pocket this year divided by the cash you have tied up. Total Return adds loan paydown and appreciation — money you own but cannot spend yet. IRR is the only one of the three that accounts for timing, and it is the number to compare across deals. If Cash-on-Cash is negative but IRR looks fine, you are betting on appreciation — make sure that is a bet you meant to make.
The four components. Cash flow is the only one you can spend. Principal paydown and appreciation are real wealth but locked in the property until you sell or refinance. The depreciation tax benefit is money you keep by not paying it to the IRS — and it is the one component that can vanish entirely if you cannot use passive losses, so check that toggle before you quote this number to anyone. A deal whose Total Return looks strong but whose cash flow is negative is a deal that can still bankrupt you in a bad year.
Change one input at a time and watch which number moves. That is the whole exercise. The seven orange STR lines show you exactly where short-term rental money goes; cleaning and management together usually dwarf everything else.