JOSH VIVANCODRE #02199160 · KELLER WILLIAMS
THE INVESTOR WORKSHEET

Before the offer,
understand the numbers.

Adjust the assumptions and explore estimated operating income, financing, and cash flow.

Illustrative starting figures—not a listing, rate quote, or lender approval. Replace every assumption with verified property and loan information.

Address identifies this scenario; it does not look up taxes automatically. The 1.25% rate is an editable assumption. Add fixed assessments separately only if they are not already included in your rate. For verified taxes, use a lender or county estimate reflecting the purchase, not just the seller’s old bill. Supplemental bills, mortgage insurance, and HOA dues are excluded.

Other operating expenses should include owner-paid utilities, maintenance, management, and applicable recurring expenses. Enter taxes separately. Capital reserves are deducted after NOI. Financing assumes a fully amortizing fixed-rate loan; closing costs, income taxes, appreciation, rehab, and ADU income are excluded.

Try a lower rent or higher expense figure. A property should make sense under more than one scenario.
Read the investor guide

Your estimated scenario

Monthly cash flow after reserve—
Annual net operating income—
Cap rate on purchase price—
NOI / debt service ratio—
Monthly PITI (principal, interest, taxes, insurance)—
Annual property taxes used—
Loan amount—
Monthly principal & interest—
NOI excludes debt service and capital reserves. The coverage ratio shown is NOI divided by principal and interest, not a lender’s rental-income/PITIA DSCR calculation or an eligibility determination.Discuss this scenario with Josh
Text Josh