Blueporch tools
Big decisions.
A little more clarity.
Run the numbers with a little more perspective. Explore cash flow, financing and your next move with clear, practical ways to see your possibilities.
No account needed Your numbers, your possibilities
Your toolbox, all in one placeChoose a calculator, adjust the example numbers and see what changes.
Explore below01 / Understand your rental’s potential.
Rental Property Calculator
See how a rental performs over time, from monthly cash flow to total ROI.
Your numbers
Results update as you type
Your estimated results
Monthly cash flow
- Annual net rental income
- Projected property value
- Cap rate
- Cash-on-cash
- Annualized return
- Cash invested
- Break-even occupancy
A starting point for your next conversation.
Monthly expenses are the costs you pay: taxes, insurance, repairs, HOA and any utilities. Cash flow is rent, less vacancy and management, less your monthly expenses and repair reserve, less the mortgage payment when financed. Total ROI adds every year’s cash flow to your equity when you sell (value after appreciation, less selling costs and the remaining loan), subtracts the cash you put in, and divides by that cash. Cap rate is year-one net operating income divided by the price; cash-on-cash is year-one cash flow divided by the cash you put in.
Estimates for planning only, not financial, tax or lending advice. Your actual numbers will vary.
| Year | Net income | Mortgage | Cash flow | Value | Loan balance | Equity |
|---|---|---|---|---|---|---|
02 / Bring the whole cycle into focus.
BRRR Calculator
Analyze your full BRRRR cycle, from purchase to post-refinance cash flow.
Your numbers
Purchase & rehab financing
Share of purchase + rehab on a hard-money or bridge loan.
Refinance & rental
Results update as you type
Your estimated results
Post-refinance cash flow
per month · after principal & interest
- Total project cost
- Refinance proceeds
- Cash remaining in project
- Monthly principal & interest
- Cash-on-cash
- Equity after refi
- Cash needed up front
- All-in cost / value
- 70% rule max offer
- Debt coverage (DSCR)
A starting point for your next conversation.
Total project cost is the purchase price, rehab and other costs (closing, holding and carrying), plus short-term loan interest and points if you finance the purchase. The refinance loan is the post-rehab value times the loan-to-value; proceeds are that loan less closing costs. What you don’t get back is the cash remaining in the project. Cash flow is rent less vacancy, management, expenses, reserves and the new mortgage payment. The 70% rule is a quick check: offer no more than 70% of the post-rehab value, minus the rehab budget.
Estimates for planning only, not financial, tax or lending advice. Your actual numbers will vary.
03 / Know what your monthly payment could be.
Mortgage Calculator
Estimate your monthly mortgage payments on a rental property.
Your numbers
Only with less than 20% down; ends at 78% loan-to-value.
Results update as you type
Your estimated results
Monthly principal & interest
- Loan amount
- Down payment
Over the full loan term
Estimated total payment
- Principal & interest
- Property tax
- Insurance
- HOA
A starting point for your next conversation.
The payment uses the standard fixed-rate formula on the loan amount (price less down payment). Total interest is every payment over the term, less the loan amount. The total payment adds property tax (a share of the price each year), insurance, HOA dues and mortgage insurance, which applies with less than 20% down and stops once the balance falls to 78% of the price. Extra payments go straight to principal.
Estimates for planning only, not financial, tax or lending advice. Your actual numbers will vary.
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
04 / Two paths, a clearer comparison.
Sell vs. Keep Calculator
Compare the impact of selling versus keeping a rental property.
Your numbers
What you paid plus improvements, less depreciation.
Results update as you type
Your estimated results
- Net proceeds if sold today
- Sell: projected ending funds
- Keep: projected ending funds
Projected ending funds
Year by year
A starting point for your next conversation.
Monthly net cash flow is after all expenses and the mortgage payment; the sale proceeds return is what the money could earn if you sell. Sell: today’s value less selling costs, the loan balance and any tax on the gain, then grown each year at the return you entered. Keep: the property grows at the appreciation rate; at the end it’s sold (less selling costs, the remaining loan and tax), and every year’s cash flow is added. With a loan rate and years left, the balance pays down on schedule; otherwise it stays flat.
Estimates for planning only, not financial, tax or lending advice. Your actual numbers will vary.
| Year | Property value | Loan balance | Cash flow so far | Keep | Sell |
|---|---|---|---|---|---|
A little insight goes a long way.
Explore the numbers.
Make room for what’s next.
From planning to everyday life
Your next move.
Your everyday details.
All together.
Once you’re ready, keep your rentals, tasks, repairs and conversations connected in Blueporch.
Less busywork. More room to grow.