All Forum Posts by: Addy Chupa

🏡 At Asset AFC , we're here to make real estate investing and financial planning simple and effective. Whether you’re looking to analyze new deals, track your portfolio, or budget your expenses, we have the perfect tools to help you reach your goals.

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- Cashflow Analyzer Pro - 🛒Check it out in Etsy or at AssetAFC.com - 📊 Designed to help real estate investors analyze potential deals for rental properties, helping them make well-informed investment decisions.

- Deal Instant Analyzer - 🛒Check it out in Etsy or at AssetAFC.com - ⚡ Evaluate potential real estate deals quickly and easily. It's perfect for analyzing multiple deals at once to determine which ones are worth pursuing.

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Tools for Real Estate and Budgeting. Investment Analysis, ROI Calculator, Cash on Cash ROI, CAP rates, Rental Yield, Airbnb and Rental Income Expense Tracker, Real Estate Portfolio ROI Tracking, Real Time ROI, Budgeting, Personal Finance and more.

When house hacking a duplex, start by estimating the total monthly rent you can earn from the unit you’ll rent out. Compare this to your total monthly costs, including mortgage, insurance, taxes, vacancy and maintenance. A good deal is one where the rent covers most or all of your expenses. Tools like Cashflow Analyzer Pro with Deal Instant Analyzer from Asset AFC can help you break this down and understand your potential cash flow and return on investment. Lastly, don’t rush—focus on properties in good locations and with solid potential for both income and appreciation. Good luck! 

Hi Matthew,

It’s awesome that you and your wife are working toward becoming debt-free soon, and it’s great that you’re taking a conservative approach with a larger down payment. House hacking by living in one unit and renting out the others is a smart strategy to build wealth. Your concern about deals looking "too good to be true" with 50% down is valid, so focusing on a well-rounded analysis is a great move.

Tools like Cashflow Analyzer Pro with Deal Instant Analyzer can provide a detailed breakdown of real estate investments. They analyze components such as cash flow, principal paydown, appreciation (both home and renovation), initial equity, depreciation, and interest deductions for tax savings, giving you a clear picture of individual gains and ROI over 30 years. This helps you identify which factors drive the best returns and make confident, informed decisions.

It’s also important to test your numbers with scenarios like higher vacancies, unexpected expenses, interest rate changes, or rent adjustments over the years. This ensures the property performs well even under less-than-ideal circumstances.

If a property doesn’t align with your goals, it’s perfectly fine to move on. Staying consistent with your criteria will help you make logical, growth-focused decisions instead of emotional ones.

If you’d like help running numbers or want to see how these tools work, feel free to reach out!

Introducing Cashflow Analyzer Pro with Deal Instant Analyzer the ultimate tool for real estate investors!

At Asset AFC, we've been in the real estate industry for years, and we understand the importance of accurate ROI calculations. We couldn't find anywhere a comprehensive Investment calculation tool like this, that considers all the factors, and that's why we developed the Cashflow Analyzer Pro with Deal Instant Analyzer.

🛒Available in Etsy or at AssetAFC.com

🔍 Deep Analysis | 💡 Real-Time ROI Tracking | 🔄 Flexible Scenario Analysis

Cashflow Analyzer Pro with Deal Instant Analyzer - Your Ultimate Real Estate Investment Tool 🏡📊

Whether you’re a seasoned pro or just starting out, Cashflow Analyzer Pro with Deal Instant Analyzer is designed to help you make informed investment decisions. It works in all countries, including USA, Canada, Europe, Australia, UK, Japan, China, India, UAE, and the Philippines. It’s compatible with all major currencies: $, €, £, ¥, ₹, AED, ₱. This powerful tool offers everything you need to evaluate potential deals, track crucial metrics, and maximize your return on investment.

Deal Instant Analyzer is designed to help you quickly evaluate potential deals, providing a simple summary of your investment opportunities within seconds. It's perfect for quickly analyzing multiple deals at once to determine which ones are worth pursuing. While the other package, Cashflow Analyzer Pro provides you more detailed analysis considering all sources of income that your investment can generate and accurately calculate your total ROI. This combo is like a super tool made just for seasoned or new real estate investors.

👉 How It Works: It is simple and very easy to use. Just enter your property details—purchase price, rental income, expenses, and financing terms—and let our tool do the rest. It provides an in-depth analysis of your investment, showing detailed charts and breakdowns over a 30-year period, so you can see how each factor contributes to your total ROI.

Key Features to Elevate Your Investment Strategy:

🔍 Deep Analysis: Go beyond basic calculations! Cashflow Analyzer Pro evaluates every factor affecting your ROI, including home appreciation, renovation value, depreciation for different countries, initial equity, cash flow, and more. With clear breakdowns, you'll see the individual gains of each component over 30 years.

🌟 ROI Visualization Tool: Our color-coded ROI indicator uses cell colors to show the quality of potential deals. Green means strong ROI, red signals poor ROI, and orange suggests an acceptable ROI. This makes it easy to quickly understand the investment potential. However, it's important to conduct your own research and analysis to ensure a suitable investment for your goals. This feature is an additional layer of information to support your decision-making.

🔄 Flexible Scenario Analysis: Explore different scenarios like using HELOC, cash, or other loans for funding the investment or the renovations. Our tool take into account the payments you need to make for these funds, whether interest-only or principal and interest, providing you with accurate analysis personalized to your specific needs.

💡 Real-Time ROI Tracking: The tool can even simulate changes in interest rates, home value and rent over months or years, enabling you to track ROI in real time. It helps you monitor these changes to see how they impact your overall return on investment. Track your investment's performance over time and make adjustments as needed to stay on top of your game.

📊 Simplify Analysis: Calculate essential metrics like Cash on Cash ROI, CAP Rate, Rental Yield, Debt Coverage Ratio, BRRRR strategy, and Net Profit If Sold. Our tool organizes everything into easy-to-understand visuals that make complex data simple.

⏳ Track Crucial Factors Over 30 Years: Get a comprehensive view of your investment strategy by tracking key factors for three decades. This long-term analysis helps you see the big picture, helping you to make smarter, more profitable decisions.

💡 Years of Experience in the Industry: Developed by real estate professionals, our tool reflects years of experience and insights. We created Cashflow Analyzer Pro because we couldn’t find a tool that truly covers every aspect of real estate investing. Now, you have access to a comprehensive package that sets you up for success.

Why Choose Cashflow Analyzer Pro with Deal Instant Analyzer?

🔸 Tax Savings: Calculate depreciation, interest and expenses deductions.

🔸 Net Cash Flow: Know your income after expenses.

🔸 Home & Reno Appreciation: Track value increases from market gains and renovations.

🔸 Principal Pay Down: Monitor your loan reduction over time.

🔸 Debt Coverage Ratio: Assess your property’s ability to cover its debts.

🔸 Total ROI: See the big picture with a complete evaluation of all income streams.

🚀 Take Control of Your Investments Today! Don't leave your real estate success to chance. Equip yourself with the Cashflow Analyzer Pro and Deal Instant Analyzer combo and make informed decisions with confidence.

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That deal seems solid for Cleveland, especially since it meets the 1% rule and has an 8.73% cash-on-cash return. A monthly net cash flow of $277 is positive and reasonable for the area, but you might want to compare it to similar duplexes to see if there are better returns available. Make sure you're comfortable with the cap rates and the property’s condition before moving forward!

I run sum numbers for you please see comments below before refinancing and post refinancing .

If I were in your position, I would approach it as follows:

Initial Investment Assumptions:

• Market Value: $360,000
• Purchase Price: $360,000
• Equity: $0,000

Financial Breakdown:

• Hard Money Loan (LTV 100%): $360,000
• Interest Rate: 10% (30-Year Amortization)
• Monthly Payment: $1,995

Upfront Costs:

• Origination fee (1%): $3,600
• Closing Costs (3%): $10,800
• Renovation Costs: $10,000
• 2 Month of Carrying Costs During Renovation: $5,390

Total Upfront Required: $29,790

Total Capital Investment
Purchased price $360,000
Upfront Costs $29,790
Total: $389,790

To make this investment work, you need to rent the whole property for at least $3,165/month, refinance it let say after one year with 5% interest with a traditional mortgage.

Year One Rent:

• Monthly Rent Income: $3,165
• Monthly Rent Losses during renovations (2 Months): -$6,330 (-$527/month distributed over 12 months)
• Total Rent Income: $31,650 per year => $ 2,638 per month

Monthly Expenses:

• Hard Money Loan Payment (10% Interest): $1,995 / per month interest only
• Property Tax (Assuming $3,000/year): $250 per month
• Property Insurance (Assumption): $100 per month
• Utilities (Hydro, Gas, Water): $292 per month
• Assuming 0% Vacancy first year
• Assuming 0 % Repairs & Maintenance first year because unit has been recently renovated
• Total Monthly Expenses: $2,637

Monthly Net Cash Flow: $1

Post-Renovation Refinancing Strategy:

So far, we’ve purchased the property, completed renovations, and rented it out.

Next, you can approach the bank for a refinance to consolidate your initial investment of $29,790 plus your 360k debt into a mortgage. To get this amount through a cash-out refinance at 80% LTV, the home value must be at least $453,800 after one year.

Based on your report your ARV right after reno is $425,000
Add a 8% home appreciation for one year $34,000
Estimated Home Value After 1 Year:$459,000

Assuming a refinance after 12 months with a property value of $459,000:

• New Home Value (Post-Appreciation): $459,000
• New Mortgage Amount (80% LTV): $367,200
• Existing Debt Balance after 12 months: -$360,000 (because you have been paying interest only)
• Assuming Bank fees on New Mortgage: - $200
• Cash Pulled Out: $7,001, allowing you to recover to pay only 7k on your initial investment of $29,790, leaving $ $22,789 in the deal.

Many new investors mistakenly believe the BRRRR strategy ends after the cash-out. It's crucial to evaluate how the deal performs with the new mortgage:

Updated Financials After Refinancing:

• Market Value: $459,000
• Mortgage Amount (80% LTV): $367,200
• Equity: $91,800
• Interest Rate: 5% (30-Year Amortization) Assuming after 12months the rate will drop to 5%

Monthly Expenses:

• Mortgage Payment (5% Interest): $1,971 (Now you are paying interest and principals)
• Property Tax: $260 (assuming has been increased with a 4% from last year)
• Utilities: $361
• Insurance: $104 (+4% Adjustment)
• Vacancy: $166 (now after 12 months we can assume we have some vacancy at 5% factor on annual rent)
• Repairs & Maintenance: $166 (now after 12 months we can assume we have repairs at 5% factor on annual rent)
• Total Monthly Expenses: $3,028

Rent Income after 12 months assuming annual rent increase at 5% : $3,323

Cash Flow: $295$ per month 😊

Long-Term Gains:

• $5,418 Principal Paydown year 2 (this will increase each as you pay off your mortgage
• $36,720 Property Appreciation (assuming 8% per year)
• $3,540 Cash Flow (this will increase as rents rise)

Total Annual Return on Investment: $45,678 with just $ $22,789 remaining in the deal. This is still a good investment in my opinion.

Feel free to reach out if you have any further questions or need additional clarification!

When analyzing deals, I usually include a 5% vacancy factor and 5% repair factor based on annual rent. I also assume a 3-4% yearly rent increase, which naturally increases the vacancy and repair amounts over time. For expenses like utilities, property tax, and insurance, I estimate a 3% yearly increase.

However, keep in mind that if you do renovations in the first year, it’s likely you won’t need the full 5% repair allocation for the first or even second year. If it’s not used, I treat it as reserve funds.