Investo Learn · Calculator Results · investo-capital.comInvesto Learn · Calculator Results · investo-capital.com
Calculators
As part of Investo Learn's commitment to investor knowledge and education, these fourteen calculators let you run the same numbers our team runs, on your own figures. Enter your data, see the math behind the answer, and print or export the results for your files.
Choose a calculator
Every calculator runs entirely in your browser: your numbers are never sent anywhere. Each one is built on standard, published financial formulas, the same ones used in underwriting and lending, not estimates or guesses.
01 · Financing
Full monthly payment, principal and interest plus taxes, insurance, PMI, and HOA, using the standard amortizing loan formula.
Enter your numbers and press Calculate.
Uses the standard amortizing loan payment formula. Taxes, insurance and PMI are added to principal and interest for a full monthly payment estimate. Educational estimate only, not a loan offer or commitment.
02 · Underwriting
Net operating income as a percentage of purchase price, the core metric for comparing income properties independent of financing.
Enter your numbers and press Calculate.
Cap rate = net operating income ÷ purchase price. NOI excludes debt service and capital expenditures, consistent with standard underwriting practice.
03 · Underwriting
Annual pre-tax cash flow as a percentage of the actual cash you invested, the return metric that matters once financing is in place.
Enter your numbers and press Calculate.
Cash-on-cash return = annual pre-tax cash flow ÷ total cash invested (down payment, closing costs and upfront repairs). It ignores appreciation and loan paydown, by design.
04 · Underwriting
A multi-year internal rate of return and equity multiple across a full holding period, including a projected sale, the same math used to evaluate a syndication.
Enter your numbers and press Calculate.
IRR is solved numerically from your full cash flow stream (initial investment, annual cash flow, and net sale proceeds). Equity multiple = total cash received ÷ initial cash invested.
05 · Syndications
A simplified single-tier waterfall: preferred return, then return of capital, then a GP promote on remaining profit, the structure behind most 506(c) offerings.
Enter your numbers and press Calculate.
Simplified estimator: assumes a single LP class, a non-compounding preferred return, and one promote tier. Real offerings often add catch-up provisions and multiple promote tiers, always read the actual PPM and operating agreement.
06 · Underwriting
Debt Service Coverage Ratio: how many times over the property's income covers its debt payments, the metric lenders underwrite to.
Enter your numbers and press Calculate.
DSCR = NOI ÷ annual debt service. Most commercial and DSCR-loan lenders require 1.20–1.25x or higher; below 1.0x means the property does not cover its own debt payments.
07 · Tax
The capital gains and depreciation recapture tax a sale would trigger today, and therefore the amount a like-kind 1031 exchange defers.
Enter your numbers and press Calculate.
Depreciation recapture is taxed at a flat 25% federal rate; the remaining gain is taxed at your long-term capital gains rate. Educational estimate only, not tax advice, consult a qualified intermediary and CPA before any exchange.
08 · Personal finance
Compares the net cost of buying and holding a home against renting and investing the difference, over your chosen time horizon.
Enter your numbers and press Calculate.
Buying side nets home equity and appreciation against total ownership cash outlays. Renting side assumes the down payment, closing costs, and any month where owning costs more than renting are invested at your stated return.
09 · Tax
Annual straight-line depreciation on the building, and how much of a resulting passive loss you can actually use this year under the IRS's special allowance rules.
Enter your numbers and press Calculate.
Uses 27.5 year straight-line residential depreciation. The $25,000 active participation special allowance phases out between $100,000 and $150,000 of MAGI and is unavailable above that or without active participation; unused losses carry forward. Educational estimate only, not tax advice.
10 · Retirement
Projects tax-advantaged growth of a self directed IRA against an equivalent taxable account at the same return, to isolate the value of the tax shelter itself.
Enter your numbers and press Calculate.
Compares compound growth inside the IRA against an identical stream of contributions in a fully taxable account taxed annually on gains at your bracket. Roth withdrawals are shown tax-free; Traditional withdrawals are shown net of your stated bracket. Educational estimate only, not tax or investment advice.
11 · Underwriting
Estimates what an income producing property is worth using the income capitalization approach (value = NOI ÷ market cap rate), with a Gross Rent Multiplier cross-check.
Enter your numbers and press Calculate.
Income approach: value = net operating income ÷ market cap rate. The GRM based value is a secondary cross-check using a market Gross Rent Multiplier, not a substitute for a full appraisal or broker opinion of value.
12 · Underwriting
A full renovation budget by category, real hard money financing costs, and leveraged cash-on-cash return, from purchase through resale, plus the 70% rule as a cross-check.
Enter your numbers and press Calculate.
Cash invested = total project cost minus the financed loan amount. Profit and ROI are calculated on that actual cash invested, not total cost, since the loan is repaid from sale proceeds. The 70% rule (ARV × 70% minus renovation) is a widely used investor rule of thumb for a maximum purchase offer, shown as a cross-check.
13 · Advanced strategy
Buy, Rehab, Rent, Refinance, Repeat: how much cash stays in the deal after a cash-out refinance, and the cash flow, cash-on-cash return, and DSCR once it's rented and refinanced.
Enter your numbers and press Calculate.
Cash left in the deal = total cash invested through the rehab and holding period, minus cash pulled out at refinance (new loan minus payoff of the initial loan). If that number is zero or negative, cash-on-cash return is shown as infinite, meaning all or more than all of the original cash was recovered.
14 · Advanced strategy
A full multi-year hold: rent and expense growth, financing, a forward-NOI exit valuation at your hold period, IRR and equity multiple, not just a single year snapshot.
Enter your numbers and press Calculate.
Exit value uses forward NOI (the year after your hold ends) divided by the exit cap rate, the standard institutional approach, rather than a flat appreciation rate. IRR is solved from initial equity, each year's cash flow, and net sale proceeds at exit.