Buy & Hold Deal Penciler (≤$500k)

Buy & Hold “Does It Pencil?” Calculator (≤ $500,000)

Plug in purchase price and (optionally) tweak assumptions. Output is cashflow, DSCR, cap rate, cash-on-cash, and an optional refi “cash out” estimate.

Inputs (deal + assumptions)

Purchase Price ($)

Monthly Rent ($)

Rehab (% of purchase)

Buy Closing Costs (% of purchase)

Down Payment (%)

Interest Rate (% APR)

Loan Term (years)

Taxes (% of purchase / year)

Insurance ($ / month)

HOA ($ / month)

Vacancy (%)

Property Mgmt (%)

Repairs (%)

CapEx (%)

Other OpEx ($ / month)

Target Cashflow ($/mo)

Target DSCR

Target Cash-on-Cash (%/yr)

Optional: “Cash-out later” estimate (refi)

After-Repair Value ARV ($)

Refi Max LTV (%)

Refi Costs (% of new loan)

Assume payoff = current first lien? (Yes=calc)

Tip: If you leave ARV = 0, the refi section won’t run. If you want a simple ARV guess, try purchase × 1.10 or provide your comp-based ARV.

Results

Run the numbers…

It’ll show you cashflow, DSCR, cap rate, and cash-on-cash.

Monthly Cashflow

DSCR (NOI / P&I)

0.00

Cap Rate (NOI / All-In)

0.0%

Cash-on-Cash

0.0%

All-In Cost

Cash Invested (est.)

NOI (monthly)

Mortgage P&I (monthly)

Optional: Refi “cash-out” estimate

Max New Loan (ARV × LTV)

$—

Est. Cash Out After Payoff/Costs

$—

This is a quick underwriting tool, not lender/legal advice. Use real tax/insurance/HOA quotes and rent comps to make final decisions.