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Investment Calculator

Inputs:
Purchase Price
Down Payment or %
Loan Amount
Year/Loan Term
Interest %
Property Tax Rate % /year
Income Tax Rate % /year
Property Income /month
HOA Fee /month
Property Mgmt. % /month
Misc. Expense /month
Misc. Expense /year
Depreciation Period years
Property Mgmt. /month
Property Tax /year
Insurance /year
Depreciation /year
 

Results:
Principle /month
Interest /month
Total Mortgage /month
Property Tax /month
Insurance /month
Total Payment /month
Total Income /month
Total Expense /month
Total Net Income /month
Cash Income /month
Depreciation /month
Final Result /month

Note

  • Years/term: How long will the loan be paid off, normally loan term is 30 or 15 years.

  • Annual Property Tax Rate & Annual Property Tax:

    • California: 1.25%

    • Taxes: 3%

    • If you know the tax rate , input the rate directly. 

    • If you know the exact tax amount, input "-1" in the Annual Property Tax Rate Field and directly input the tax amount in Annual Property Tax Field, then it will be automatically calculate.

  • HOA: Homeowner Association charge

  • Misc. Expense = HOA/Water/Garbage/Utility/Repair/home warranty etc.

  • Other Expense = Property Management + Misc. Expense

  • Net Income: = Total Income + Principle (Equity)- Total Payment

    • >0: positive cash flow

    • <0: negative cash flow /loss

    • =0: break even

  • Depreciation: Tax Benefit, normally fully deduct purchase price in 27.5 years

  • Final Result:

    • >0: After-tax result

    • <0: tax loss

    • =0: break even