All Forum Posts by: Colin Tandy

Many investors make the mistake of only looking at gross rent vs. mortgage payment when underwriting a rental property. But that approach leaves out critical numbers that can make or break your cash flow.

Some key metrics I always factor in:

✅ Cap rate – How profitable is this property compared to its value?
✅ Cash-on-cash ROI – What’s your actual return based on cash invested?
✅ Property management & maintenance costs – Are you accounting for these hidden expenses?
✅ Rehab & capital expenditures – Are you setting aside reserves for repairs?

I recently broke down how I analyze deals using a rental pro forma to ensure I’m seeing the full picture before making a move. If you're not factoring in these numbers, you could be missing key risks.

How do you approach your deal analysis? What are your must-have metrics before pulling the trigger on a rental property?

As real estate investors, we know that not all rental properties are good deals—but how you analyze them makes all the difference between a winning investment and a cash flow disaster.

Too often, I see investors only looking at gross rent vs. mortgage payment, assuming that if rent covers the mortgage, they’re in the clear. But there’s more to the equation.

That’s why I built an investment property pro forma that helps my clients run the numbers the right way. It accounts for critical factors like:

✅ Cap rate – How profitable is this property compared to its value?
✅ Cash-on-cash ROI – What’s your actual return based on cash invested?
✅ Property management & maintenance costs – Are you accounting for these hidden expenses?
✅ Rehab & capital expenditures – Are you setting aside reserves for repairs?

Here’s a quick video walking through the pro forma and why these numbers matter:

I made this tool available for investors who want to stress-test their deals before they buy. If you have a property in mind and want to see how it stacks up, you can run the numbers here:

🔗 Submit Your Deal Here

Let’s Talk Strategy

As an investor-friendly mortgage broker, I’ve helped clients structure their financing to maximize leverage and long-term returns. If you’re working on a deal and want to discuss DSCR loans, financing options, or ways to improve your cash flow, feel free to reach out.

📩 Email me: [email protected]
📞 Call/Text: 385-309-4945

Looking forward to hearing your thoughts—how do you analyze deals to make sure they’re worth it? Drop your insights below!