🏢 Multifamily Property Calculator

Per-unit rent analysis · Current vs Stabilized Pro Forma · ADU addition with construction ROI · Full amortization schedule with charts for every loan.

🏠 Residential — Conventional / DSCR Financing Available

Property & Unit DetailsInputs

Unit Breakdown — Per-Unit Rents

#	Beds	Baths	Current Rent	Pro Forma

ADU unlocks construction module

🔨 ADU Construction Costs

Construction Cost

Plans & Permits

Miscellaneous

ADU Loan Rate %

ADU Loan Term (yrs)

ADU Down Payment %

Purchase & Mortgage

Purchase Price

Price / Unit

Down Payment %

Interest Rate %

Loan Term (yrs)

Closing Costs

Operating Expenses

Property Tax/yr

Insurance/mo

Gas & Electric/mo

Water/mo

Lawn & Snow/mo

HOA/mo

Management %

Vacancy %

Maintenance %

Vacancy Reserve %

Maint. Reserve %

Current Pro FormaToday's Rents

Enter rents and purchase price to analyze

Monthly NOI

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before debt

Cap Rate

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target 5–7%+

Monthly Net

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after mortgage

Ann. ROI

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on cash in

Income Build-Up

Gross Annual Rents—

Vacancy Loss—

Effective Gross Income—

Total Op Ex / yr—

Annual NOI—

Cap Rate—

GRM—

Returns

Mortgage / mo—

Monthly Net—

Annualized Net—

Ann. ROI—

DSCR—

Expense Ratio—

Stabilized Pro FormaMarket Rents

Enter pro forma rents above

Monthly NOI

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vs current

Cap Rate

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vs current

Monthly Net

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vs current

Ann. ROI

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vs current

Stabilized Income

Gross Annual Rents—

Vacancy Loss—

Effective Gross Income—

Total Op Ex / yr—

Annual NOI—

Cap Rate—

Monthly Net—

Ann. ROI—

DSCR (Stabilized)—

Upside vs Current

Rent Upside / mo—

NOI Gain / yr—

Value Created (5.5% cap)—

Implied Value (5.5% cap)—

Mortgage DetailLoan Summary

Loan Summary

Sale Price—

LTV—

Down Payment—

Loan Amount—

Rate / Term—

Monthly Payment—

Total Interest (life)—

Op Ex Breakdown / mo

Property Tax—

Insurance—

Utilities—

Lawn & Snow—

HOA—

Management—

Maintenance—

Total Op Ex / mo—

Returns Comparison

Current Monthly Net—

Current Ann. ROI—

Stabilized Monthly Net—

Stabilized Ann. ROI—

📈 Amortization Schedules & Charts All Loans

Loan Amount

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Monthly Payment

—

Total Interest

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Total Paid

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Balance at Yr 5

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Balance at Yr 10

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Balance at Yr 15

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Equity at Yr 10

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Principal vs Interest Over Time

Remaining Balance & Equity

Annual Principal Paid vs Interest Paid

Cumulative Interest Paid

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Current vs Stabilized vs ADU + amortization schedule — sent free instantly.

Enter your unit count with per-unit current and pro forma rents. Add an ADU unit with the orange button — it unlocks the construction cost module and a fourth analysis column. Fill in the purchase price, mortgage terms, and operating expenses. The calculator updates all columns live. Scroll down to the Amortization section to see full schedules and interactive charts for the main mortgage and the ADU construction loan.

2–4 unit residential properties qualify for conventional and DSCR financing with residential rates. 5+ unit commercial properties use commercial financing (20–30% down, typically 5–7 year ARM or balloon). The key multifamily metric is cap rate (NOI ÷ price). Adding an ADU creates value directly: at a 5.5% cap rate, every $1 of annual NOI added is worth ~$18 in property value. A $2,650/mo ADU generating ~$25K/yr NOI creates roughly $450K of additional value on a property valued at a 5.5% cap.

🏢 Multifamily Property Calculator

📄 Email My Full Multifamily Report

📄 Email My Multifamily Report