Run the numbers
Investor tools and calculators for Orange County
Five calculators we actually use with Orange County clients. Everything runs in your browser, nothing is sent anywhere, nothing is stored.
Mortgage payment
Principal, interest, taxes, insurance and HOA, the real monthly number.
Monthly principal & interest
$4,804
Total monthly payment
$5,825
- Principal & interest$4,804
- Property tax$871
- Insurance$150
- HOA$0
- Down payment
- $190,000
- Loan amount
- $760,000
- Total interest
- $969,338
- Payments
- 360
Rental ROI
Cap rate, cash-on-cash return and monthly cash flow on any deal.
Cap rate
5.08%
Cash on cash
-2.44%
Monthly cash flow
-$442
Cash invested
$217,500
- Effective rent (after vacancy)
- $3,990
- Management fee (6%)
- − $239
- Operating expenses
- − $450
- Debt service
- − $3,742
- Net operating income (yr)
- $39,607
- Loan amount
- $562,500
- Gross rent multiplier
- 14.9
Negative carry of $442 per month. Raise rent, cut expenses, or put more down.
Rental cash flow
Monthly and annual cash flow after every cost, including our flat 6% management.
Monthly cash flow
$245
Annual cash flow
$2,940
Cash on cash
1.63%
Total monthly costs
$2,755
- Gross monthly rent
- $3,000
- Mortgage (P&I)
- − $1,600
- Property tax
- − $550
- Insurance
- − $125
- HOA dues
- − $0
- Management fee (6%)
- − $180
- Vacancy (5%)
- − $150
- Maintenance (5%)
- − $150
Positive cash flow of $245 per month, $2,940 a year, a 1.63% cash-on-cash return on $180,000 invested.
Rent vs buy
What renting costs against what owning nets over your horizon.
Renting, 7 yrs
$354,741
Rent paid, nothing recovered.
Owning, net 7 yrs
$157,760
Payments and carry, less equity built.
- Down payment
- $190,000
- Mortgage payment (P&I)
- $4,804/mo
- Payments made
- $403,512
- Taxes, insurance, upkeep
- $85,750
- Home value in 7 yrs
- $1,208,665
- Loan balance remaining
- $687,163
- Equity at horizon
- $521,502
Buying comes out ahead by about $196,981 over 7 years. Simplified: excludes tax deductions, closing and selling costs, and returns on invested savings.
Management fees
Flat 6% on single-family rentals, 4% on total HOA dues. Nothing else.
A flat 6% of collected monthly rent. Month-to-month after the first 90 days, 30-day written termination any time.
Management fee, 6% of rent
$228/mo
- Monthly rent
- $3,800
- Owner net per month
- $3,572
- Owner net per year
- $42,864
- Annual fee
- $2,736
$0 setup, onboarding, marketing, tech, markup or termination fees
- No setup fee
- No onboarding fee
- No marketing fee
- No technology fee
- No maintenance markup fee
- No termination fee
Numbers look right? Let’s check the property.
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