Investor tools

Investment Property Comparison

Put up to three properties through the same calculations to compare them on equal terms. The strongest property on each measure is marked, but no single number captures condition, location or risk.

The figures shown are example values. Replace them with your own; rates, taxes and insurance vary by lender, property and municipality.

Inputs
Input	Property A	Property B	Property C
Purchase price ($)	Purchase price ($), property A	Purchase price ($), property B	Purchase price ($), property C
Down payment (%)	Down payment (%), property A	Down payment (%), property B	Down payment (%), property C
Interest rate (%)	Interest rate (%), property A	Interest rate (%), property B	Interest rate (%), property C
Loan term (years)	Loan term (years), property A	Loan term (years), property B	Loan term (years), property C
Closing costs and repairs ($)	Closing costs and repairs ($), property A	Closing costs and repairs ($), property B	Closing costs and repairs ($), property C
Monthly rent ($)	Monthly rent ($), property A	Monthly rent ($), property B	Monthly rent ($), property C
Other monthly income ($)	Other monthly income ($), property A	Other monthly income ($), property B	Other monthly income ($), property C
Vacancy (%)	Vacancy (%), property A	Vacancy (%), property B	Vacancy (%), property C
Property taxes, yearly ($)	Property taxes, yearly ($), property A	Property taxes, yearly ($), property B	Property taxes, yearly ($), property C
Insurance, yearly ($)	Insurance, yearly ($), property A	Insurance, yearly ($), property B	Insurance, yearly ($), property C
HOA or condo fee, monthly ($)	HOA or condo fee, monthly ($), property A	HOA or condo fee, monthly ($), property B	HOA or condo fee, monthly ($), property C
Maintenance (% of rent)	Maintenance (% of rent), property A	Maintenance (% of rent), property B	Maintenance (% of rent), property C
Management (% of income)	Management (% of income), property A	Management (% of income), property B	Management (% of income), property C
Owner-paid utilities, monthly ($)	Owner-paid utilities, monthly ($), property A	Owner-paid utilities, monthly ($), property B	Owner-paid utilities, monthly ($), property C

Results (★ marks the strongest property for each measure)
	Property A	Property B	Property C
Monthly cash flow	$66	$98 ★	−$116
Cap rate	6.3%	6.4% ★	5.7%
Cash-on-cash return	0.9%	1.6% ★	-1.2%
DSCR	1.04×	1.08× ★	0.95×
Gross rent multiplier	10.4×	10.1× ★	10.7×
Break-even occupancy	92.2%	90.4% ★	98.5%
Expense ratio	31.4%	31.7%	36.1%
Cash invested	$84,000	$74,000 ★	$115,250

How this is calculated

Cap rate (property A)NOI ÷ purchase price: 6.3%
Gross rent multiplier (property A)Price ÷ yearly gross rent: 10.42×
Expense ratio (property A)Operating expenses ÷ income after vacancy: 31.4%

Lower is stronger for gross rent multiplier, break-even occupancy and cash invested; higher is stronger for the rest. No measure captures condition, location or risk.

Estimates for information only, not loan offers, appraisals or tax advice. Every input is checked against a stated range, and the formulas are shown under “How this is calculated”. More tools: all investor tools.

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