Harris Money — Investment Calculators

Real Estate Investment Tools

Smart Calculators for Smarter Deals

Analyze your investment before you commit. Built for real estate investors who need fast, accurate numbers.

Required Must be filled

Optional Improves accuracy

DSCR Loan Calculator

Debt Service Coverage Ratio — determines if rental income covers mortgage payments. Most lenders require a minimum DSCR of 1.20.

Rental Income

Monthly Gross Rent Required ?Total rent from all units per month before any deductions.

Vacancy Rate Optional ?% of time the property sits vacant. Typical: 5–10%.

Annual Operating Expenses

Property Taxes Required

Insurance Required

HOA / Other Fees Optional

Maintenance & CapEx Optional ?Budget ~1% of property value per year for repairs and capital expenditures.

Property Management Optional ?Typically 8–12% of gross rent if using a property manager.

Other Expenses Optional

Loan Details

Loan Amount Required

Interest Rate Required

Loan Term Optional

yrs

Analysis Results —

DSCR Ratio

—

Target ≥ 1.20

Annual NOI

—

Net Operating Income

Annual Debt Service

—

Monthly: —

Annual Cash Flow

—

After all costs & debt

Visual Analysis Income · Expenses · Debt Service

Annual Income vs Expenses vs Debt

Gross Income

Op. Expenses

Debt Service

Cash Flow

Where Your Income Goes

Cap Rate Calculator

Capitalization Rate — measures the return on a property based on net income, completely independent of financing method or loan terms.

Income

Gross Annual Rental Income Required ?Total rent from all units per year at 100% occupancy before any deductions.

Vacancy & Credit Loss Optional ?Combined % reduction for vacancies and non-paying tenants. Typical: 5–10%.

Other Annual Income Optional ?Parking, laundry, storage, pet fees, or any other non-rent income.

Annual Operating Expenses

Property Taxes Required

Insurance Required

Utilities (Landlord Paid) Optional

Maintenance & Repairs Optional

Property Management Optional

HOA / Admin / Other Optional

Property Valuation

Current Market Value Required ?Current appraised value or purchase price — do not include financing costs.

Target Cap Rate Optional ?Back-calculates your ideal purchase price. Typical range: 4–10%.

Analysis Results —

Cap Rate

—

NOI ÷ Market Value

Net Operating Income

—

After vacancy & expenses

Eff. Gross Income

—

After vacancy loss

Ideal Buy Price

—

At your target cap rate

Total Operating Expenses	—
Expense Ratio	—
Price-to-NOI Multiple	—

Visual Analysis Income · NOI · Valuation

Income Breakdown (Annual)

EGI vs Expenses vs NOI

Eff. Gross Income

Total Expenses

Net Op. Income

Fix & Flip Calculator

Full deal analysis — purchase, renovation, financing, holding costs, and sale — with net profit, ROI, and 70% Rule check.

Acquisition

Purchase Price Required

After Repair Value (ARV) Required ?Estimated market value after all renovations are complete.

Down Payment / Cash In Required ?Your out-of-pocket cash toward the purchase. Hard money requires 10–30%.

Purchase Closing Costs Optional ?Title, escrow, inspection, origination fees. Typically 1–3% of purchase price.

Renovation

Rehab Budget Required

Contingency Buffer Optional ?Reserve for unexpected costs. Industry standard: 10–20% of rehab budget.

Financing & Holding Costs

Loan Amount Required

Interest Rate (Hard Money) Required

Origination Points Optional ?Upfront fee charged by hard money lenders. Typically 1–3 points (% of loan).

pts

Hold Period Optional ?Estimated months from purchase closing to final sale closing.

Monthly Holding Costs Optional ?Taxes, insurance, utilities, HOA during renovation and listing period.

Sale

Agent Commission Optional ?Total seller-side commission as % of sale price. Typical: 5–6%.

Sale Closing Costs Optional

Analysis Results —

Net Profit

—

After all costs

Cash-on-Cash ROI

—

Return on cash invested

Annualized ROI

—

Projected annual rate

70% Rule Max Offer

—

ARV × 70% − Rehab

Purchase Price	—
Renovation (incl. contingency)	—
Financing Costs (interest + points)	—
Holding Costs	—
Purchase Closing Costs	—
Sale Costs (commission + closing)	—
Total All-In Cost	—
After Repair Value (ARV)	—

Visual Analysis Costs · Profit · ROI

Cost Breakdown

Cost vs Profit vs Sale Price

All-In Cost

Net Profit

ARV (Sale Price)