Skip to content
Get started
Resources & Media
Resource Hub Bookstore Blog Guides Pro-Exclusives PRO Podcasts Pro Partnerships
Events & training
BPCON2025 Webinars Bootcamps Events & Meetups
Strategies
How to Manage Your Rental Property How to Operate a Short-Term Rental How to Passively Invest in Real Estate How to House Hack How Does the BRRRR Method Work How to Flip a House How to Invest in Commercial Real Estate How to Invest in Real Estate How to Invest in Multifamily Real Estate How to Build Wealth
BPCON2025
This is your chance to learn from the best, network with the best, and become one of the best in the game.
New Year, New Goals
From resolutions to results: Join top investors for 8 weeks of action and accountability
Pick markets
Pick markets
Market Finder - NEW PRO Picking a Market Workshop PRO Picking a Market Worksheet Top 100 Cash Flow Markets Market Insights - Sunbelt Region
Market finder
Pinpoint the best real estate market for your specific goals with expert recommendations and real-time data on appreciation, affordability, rent to price ratio, and more.
Find deals
Find deals
On-Market Deal Finder - New PRO Off-Market Deal finding PRO Real Estate Syndications Investor-Friendly Agents Find Foreclosures Community Listings (FSBO) Business Directory
Deal finder
Quickly find your perfect investment property based on your cash flow and ROI goals.
Invelo - Off market deals
Scale your portfolio with off-market deals
Analyze deals
Calculators
Rental Property Calculator PRO Rehab Estimator PRO Rent Estimator PRO BRRRR PRO Fix & Flip PRO Short-Term Rental PRO Sell vs. Keep PRO All Calculators
Rental property calculator
Is it a good deal? Run your numbers like a pro with this simple yet powerful calculator.
Rent estimator
Understand how much rental income you can expect based on recent reports and data for your specific property.
Manage properties
Manage properties
Managing Properties 101 Find a Property Manager RentRedi Property Management Software PRO Property Management Tools Ask a Management Question Finding Tenants PRO Screening Tenants PRO Leases + Landlord Forms PRO Accounting/Bookkeeping PRO Property Insurance Property Maintenance / Rehab PRO
Property management software
Manage tenants, tasks, and your entire portfolio with one simple tool.
Property manager finder
Find reliable property management partnerships that last.
Forums
For You
Newest Trending Unanswered My Discussions Followed Discussions Followed Categories Followed Locations Followed People
General Real Estate
General Real Estate Investing Starting Out Deal Analysis Buying & Selling Business & Marketing Landlording Property Management Reviews & Feedback
Real Estate Strategies
House Hacking BRRRR Short-Term Rentals Mid-Term Rentals Multi-Family Fix & Flip Other Strategies
Finance & Financing
Lending Creative Finance Personal Finance Taxes & Legal Issues
News & Announcements
Official Site Announcements Market Trends & Data Real Estate News & Current Events Pro Exclusive Area PRO
Events & Networking
Events & Meetups Classifieds
Store
All Books
BLACK FRIDAY SALE Best Sellers Browse All New Books & Pre-Orders Bundle & Save Books for Beginners
Simplify your goals and find clarity for your investing
Dave Meyer's newest book gives a practical framework to craft and execute YOUR personalized real estate plan.
Claim your piece of a $30B industry.
Build wealth with this insider's guide to glamping, campgrounds, and RV parks in the outdoor hospitality industry.
Pricing
Plans and Pricing
Pro Membership Business Membership
TRY PRO FOR 7 DAYS COMPLETELY FREE
Avoid mistakes and make informed decisions with Pro.
GROW YOUR BUSINESS
Promote your business on BiggerPockets and make quality connections with the right investors
×
PRO
Pro Members Get Full Access!
Get off the sidelines and take action in real estate investing with BiggerPockets Pro. Our comprehensive suite of tools and resources minimize mistakes, support informed decisions, and propel you to success.
Advanced networking features
Market and Deal Finder tools
Property analysis calculators
Landlord Command Center
$0
TODAY
$69.00/month when billed monthly.
$32.50/month when billed annually.
7 day free trial. Cancel anytime
Already a Pro Member? Sign in here
Pick markets, find deals, analyze and manage properties. Try BiggerPockets PRO.
x
Followed Discussions Followed Categories Followed People Followed Locations
All Forum Categories
All Forum Categories
Followed Discussions
Followed Categories
Followed People
Followed Locations
Market News & Data
Market Trends & Data
Buying & Selling Real Estate
Out of State Investing
Real Estate News & Current Events
Real Estate Technology
Investor Mindset
General Info
General Real Estate Investing
BiggerPockets Exclusive PRO Area
PRO
BPCON
New Member Introductions
Questions About BiggerPockets & Official Site Announcements
Off Topic
Starting Out
Real Estate Success Stories
Real Estate Horror Stories
Real Estate Strategies
House Hacking
Commercial Real Estate Investing
BRRRR - Buy, Rehab, Rent, Refinance, Repeat
Mobile Home Park Investing
Innovative Strategies
Multi-Family and Apartment Investing
Land & New Construction
Wholesaling
Rehabbing & House Flipping
Short-Term & Vacation Rental Discussions presented by
Tax Liens & Mortgage Notes
Medium-Term Rentals
Buying & Selling Small Businesses
Outdoor Hospitality
Landlording & Rental Properties
General Landlording & Rental Properties
Managing Your Property
Marketing Your Property
Tenant Screening
First-Time Home Buyer
Real Estate Professionals
Mortgage Brokers & Lenders
Contractors
Real Estate Agent
Financial, Tax, & Legal
Personal Finance
Creative Real Estate Financing
Insurance
Private Lending & Conventional Mortgage Advice
Tax, SDIRAs & Cost Segregation presented by
Foreclosures
1031 Exchanges presented by
Goals, Business Plans & Entities
Legal & Legislation
Real Estate Classifieds
Classifieds
Real Estate Events & Meetups
Reviews & Feedback
Ask About A Real Estate Company
Real Estate Deal Analysis & Advice
Guru, Book, & Course Reviews
Syndications & Passive Real Estate Investing

All Forum Posts by: Ewka Kawecki

Ewka Kawecki has started 8 posts and replied 10 times.

Mortgage Brokers & Lenders

Post: Arm loan - Fixed Rate Loan

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

I have a property under contract (4 units) I'm shopping around for a mortgage and need some advice. 

Which option will you choose, which one will be cheaper from a long-term perspective? Both options are Credit Unions - no points, no origination fee

1. Fixed rates - 6.125

2. Arm Loan - 5.250 (after five years the rates can go up 1.25%  ( I will need to refinance before year 5) 

0 Votes
Chicago, Illinois
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2
Quote from @Kevin Sobilo:

@Ewka Kawecki, it looks like an OK deal. I prefer to see a greater CoC (Cash on Cash) return. You are investing quite a bit to get that amount of cash-flow.

A couple comments on the input numbers. It looks like you estimated 10% for capital expenses which to me is high unless the house has a number of things like HVAC and roof that are nearer to the end of their life.

Also, with utilities, often a landlord will want to keep some utilities in their name even because they are provided by a government entity. In my area garbage and sewer are the most common but other areas might include water or even electric. If a government entity provides a utility and the bill goes unpaid it generally creates a lien on the property. So, it might be wise to keep those utilities in your name and other bake them into the rent if they are flat rate or bill them back to the tenant if they are based on usage.

If there are utilities like that I would include those into your numbers.

I would also include any other services that might be expected for a rental like yours. That may or may not include things like lawncare/landscaping, snow removal, etc.

Overall you look like you're very much on the right track with what you put into the calculator. 
Thank you so much for Your opinion!!!


0 Votes
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

View report

*This link comes directly from our calculators, based on information input by the member who posted.

1 Vote
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

View report

*This link comes directly from our calculators, based on information input by the member who posted.

0 Votes
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

View report

*This link comes directly from our calculators, based on information input by the member who posted.

0 Votes
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

I have 5.85% interest, which I rounded to 6%, I forgot about insurance. Thank you so much for your advice! 

0 Votes
Real Estate Deal Analysis & Advice

Post: [Calc Review] Help me analyze this deal

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

View report

*This link comes directly from our calculators, based on information input by the member who posted.

0 Votes
Creative Real Estate Financing

Post: HELOC or cashout trying to figure out

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

I want to purchase another propery, I'm wonder is better strategy to take HELOC (current rates 7%) from personal property or cash out from rental property. (Current mortgage rate on rental property is 3.25% after refinance will be 5.25%). What is your opinion?

0 Votes
Hammond, Indiana
Buying & Selling Real Estate

Post: Lender on rental property

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

I want to get HELOC on my rental property? Can somebody recommend a lender?

0 Votes
Hammond, Indiana
Starting Out

Post: I’m looking for financial advisor who will help me achieve goals

Ewka Kawecki
Pro Member
Posted
  • Posts 10
  • Votes 2

I own one investing property in IL but want to focus now on Valparaiso Indiana area since currently I’m living here. I’m looking for financial advisor to help me move forward. 

1 Vote
Hammond, Indiana