Real Estate Financing Strategy Calculator

Compare financing options, calculate optimal leverage ratios, and analyze cash purchase vs financing scenarios. Make data-driven financing decisions for your investments.

Property & Financing Details

$60,000 down payment

Taxes, insurance, maintenance (excluding mortgage)

Monthly Cash Flow

Rental Income:+$2,500
Mortgage Payment:-$1,597
Operating Expenses:-$800
Net Cash Flow:$103

Investment Metrics

Down Payment:$60,000
Loan Amount:$240,000
Annual Cash Flow:$1,239
Cash-on-Cash Return:2.07%

10-Year Wealth Projection

Year 1ROI: 21.1%

Property Value:

$309,000

Equity:

$71,438

Total Cash Flow:

$1,239

Total Return:

$12,677

Year 5ROI: 113.4%

Property Value:

$347,782

Equity:

$121,866

Total Cash Flow:

$6,196

Total Return:

$68,063

Year 10ROI: 249.4%

Property Value:

$403,175

Equity:

$197,225

Total Cash Flow:

$12,393

Total Return:

$149,618

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