Blue cells on the left are yours. Everything on the right calculates itself.
THE LOAN
Loan amount—
Down payment—
Total cash in the deal—
Monthly principal + interest—
THE OPERATING NUMBERS (ANNUAL)
Gross scheduled income—
Less vacancy—
Effective gross income—
Operating expenses—
NET OPERATING INCOME—
Annual debt service—
THE VERDICT
Annual cash flow—
MONTHLY CASH FLOW—
Cap rate—
Cash-on-cash return—
DSCR (lenders want 1.25)—
1% rule (rent ÷ price)—
Break-even rent—
PROPERTY COMPARISON LOG
One row per property you run. Copy the Analyzer results across so you can rank deals side by side.
Date
Address
Price
Rent/mo
Cash in
NOI
Cash flow/mo
Cap rate
Cash-on-cash
1% rule
Verdict
Notes
1
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2
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3
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4
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5
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6
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Where that leaves you
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Last updated: October 2026
Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.