Calculator: How Does It Include Repairs?

[Fredrick Hock]

If I am taking out a loan for repairs, how does the BP calculator include this in my "monthly cash flow" and "cash-on-cash ROI"?

Does the calculator know I am taking a loan for repairs (in which case, I will enter the repair estimate in the "Estimated Repair Cost" field)?

Or does the calculator think I am paying for repairs with cash out-of-pocket (in which case, I will add the repair amount into the purchase price, and adjust the down payment accordingly)?