Multi-Family Property Loan Calculator
Analyze investment potential with cash flow, DSCR, cap rate, and ROI calculations.
Investment Property Analysis
Calculate loan payments and analyze multi-family property investments
2-4 Units
Duplex, Triplex, Fourplex
5+ Units
Apartment Building
Property & Loan Details
Total property price
$125.000 down
Annual interest rate
Average rent per unit
Operating Expenses (Monthly)
Monthly property tax
Monthly insurance
Repairs & maintenance
Expected vacancy
% of gross rent
If landlord pays
Monthly Cash Flow
$0
After all expenses
Monthly Mortgage
$0
P&I payment
Gross Rent
$0
Total monthly rent
Loan Amount
$0
Amount financed
Debt Service Coverage Ratio (DSCR)
0.00
NOI / Debt Service
Calculating...
Investment Metrics
Cap Rate
0%
-
Cash on Cash
0%
-
GRM
0
-
Price Per Unit
$0
Annual Summary
Annual NOI
$0
Annual Cash Flow
$0
Total Investment
$0
Annual Debt Service
$0
Monthly Cash Flow Breakdown
Gross Rental Income
$0
Vacancy Loss
-$0
Effective Gross Income
$0
Property Tax
-$0
Insurance
-$0
Maintenance
-$0
Property Management
-$0
Utilities
-$0
Net Operating Income (NOI)
$0
Mortgage Payment
-$0
Net Cash Flow
$0
Understanding Multi-Family Investments
Key Metrics Explained
- DSCR: NOI / Debt Service (1.25+ preferred)
- Cap Rate: NOI / Purchase Price
- Cash on Cash: Annual Cash Flow / Total Cash Invested
- GRM: Price / Annual Gross Rent
Financing Options
- 2-4 Units: Conventional (15-25% down), FHA (3.5% owner-occupied)
- 5+ Units: Commercial loans (20-30% down)
- DSCR loans based on property income
- Portfolio loans from local banks
Operating Expense Guidelines
- Vacancy: 5-10% of gross rent
- Property Management: 8-12%
- Maintenance: 5-10% or $500-1000/unit/year
- CapEx Reserve: 5-10%
Investment Considerations
- Location and neighborhood trends
- Rent growth potential
- Property condition and age
- Local landlord-tenant laws