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Rental Profit & Cash Flow

Monthly operating projection • shared homes & multifamily

BSIG / Summit Realty
Property screening: Enter full-occupancy monthly rents, then allow for vacancy and unpaid rent. Cash flow is what remains after operating costs, financing payments and reserves. Starting numbers are examples, not market estimates.

Take the deal from funding to cash-out

Model the entire property here. Unit and room rents below drive the stabilized rental results. Example inputs are editable.

1 · Purchase & rehab

2 · Hard money & capital

Hard money is interest-only. Purchase funds are drawn at closing; rehab funds are drawn over time. Partner capital here is a loan repaid at refinance. An equity partner's ownership split needs a separate distribution agreement.

3 · Refinance terms

Enter a lender-confirmed loan cap when available. LTV alone does not establish approval; appraisal, income, seasoning and lender terms affect proceeds.

Sponsor cash required
after hard money & partner loan
Cash you receive at refinance
after fees, reserves & partner repayment
Cash beyond sponsor capital
borrowed proceeds after returning sponsor cash
Sponsor capital remaining
unrecovered cash plus any closing shortfall

Refinance closing · sources & payoffs

Cash-out is borrowed money, not operating profit. Initial reserves remain committed to the property; only additional refinance reserves are deducted at refinance. Interim rental income is excluded from this funding estimate. Rental results below use stabilized rents and the new refinance payment.

Rental Income by Unit Type

Unit TypeUnitsRent / UnitMonthly Rent

Projected Monthly Income & Expenses

Monthly Cash Flow
after expenses, debt & reserves
Annual Cash Flow
12 months at these assumptions
Cash-on-Cash Return
annual cash flow ÷ sponsor capital remaining (stack mode)
Target Variance
monthly cash flow minus your target

Loan Payment Calculator

Use the amortization period for payment calculations. A seller-finance balloon due in 5 years may still use 30-year amortization. This standalone payment mode excludes balloon payoff and refinancing costs. Taxes, insurance and loan fees are entered separately.

Total Monthly Loan Payment:

Property & Financing Assumptions

Property Performance

Total Rental Units
Cash Flow per Unit / Month
Annual Net Operating Income
Cap Rate on Purchase Price
Debt Service Coverage (DSCR)
Enter annual taxes and insurance in their labeled fields; these convert to monthly costs. Financing is the total monthly principal and interest for bank, seller and any down-payment loans. Do not include taxes or insurance again in that payment.
Blue Summit Investment Group • Summit Realty
For leased homes, operating income is after master rent. NOI excludes debt payments and capital reserves. Cash flow includes both. Cash invested includes down payment, closing costs, initial repairs and funded reserves; returns shown are for the property before partner distributions and income taxes. Capital stack estimates assume the full financed rehab budget is drawn by refinance; average draw utilization only affects interest. Paid interest is funded in project costs; accrued interest is paid at refinance. Partner interest is simple interest for the same holding period. Cash-on-cash in stack mode uses remaining sponsor capital and excludes partner ownership distributions. Sale proceeds and loan principal reduction are not included. Verify rents, condition, permitted use and financing terms before approval.