Frequently Asked Questions

You can start with as little as 3.5% down using an FHA loan if you plan to owner-occupy (house hacking — live in one unit, rent the others). For a pure investment property, conventional loans typically require 20–25% down. On a $150,000 property, that's $30,000–$37,500. Many investors use the BRRRR strategy to recycle that down payment into additional deals after refinancing.

A good cap rate depends on the market. In high-cost cities (NYC, SF, LA), 3–4% may be acceptable due to appreciation potential. In Midwest and Southeast markets, investors typically target 7–10%+. The cap rate formula is: Net Operating Income ÷ Property Value. Read our full cap rate guide →

Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property below market, renovate it to force appreciation, rent it out, do a cash-out refinance to pull out most (or all) of your original investment, then repeat the process with the recycled capital. At its best, you end up with $0 left in the deal — meaning infinite returns. Full BRRRR guide →

Monthly cash flow = Gross Rent − All Monthly Expenses.

Expenses include: mortgage (P+I), property taxes, insurance, property management (~8–10% of rent), maintenance reserve (~5–10%), vacancy reserve (~5–8%), and HOA if applicable.

A positive number means the property pays you every month. Target at least $200/door at minimum. Use our Property Analyzer to calculate this automatically.

The 70% rule: don't pay more than 70% of the After Repair Value (ARV) minus your estimated rehab costs.

Max Offer = (ARV × 0.70) − Rehab Costs

Example: $200K ARV × 0.70 = $140K. Minus $40K rehab = $100K max offer. This leaves 30% for holding costs, selling costs (6–8%), and profit. Use our Flip Analyzer to run the full numbers.

DSCR = Debt Service Coverage Ratio. It's calculated as Net Operating Income ÷ Annual Debt Service (mortgage payments).

A DSCR above 1.0 means the property generates enough income to cover the mortgage. Lenders typically require 1.20–1.25+ for investment property loans. A DSCR below 1.0 means you're covering the mortgage out of pocket — the property is cash flow negative.

The analyzers use real market data from Rentcast for rent estimates and property comps. The financial calculations are mathematically exact based on your inputs. The AI commentary (powered by Claude) provides market context and risk assessment based on current data.

Results are highly accurate for screening deals quickly. Always verify with a local agent, property manager, and lender before making any offer.

When you type an address, the tool queries Rentcast (a professional property data API) for: estimated market rent, property tax data, comparable rents in the area, and basic property details. Google Maps provides the street view photo. You can always override any auto-filled value manually.

Each visitor gets 3 free AI analyses across all tools, tracked by your browser. After that, you'll be prompted to upgrade to Wealth Builder ($47/mo) for unlimited analyses — or purchase a single day pass ($9.99) or analysis bundle if you prefer. There's no email required to use the first 3 free analyses.

No. The AI provides educational analysis and market context only — not personalized financial, legal, or investment advice. Results are for informational purposes. Always consult a licensed financial advisor, real estate attorney, or CPA before making investment decisions. Our terms of service cover this in full.

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