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I’ve already made some calculated evaluations in terms of the expected operating expenses, the mortgage, closing costs, and a 20% down payment. 

entp.hud.govYou also want to make sure you run the math to ensure it passes the "Self Sufficiency" test where the unit rents must support the PITI by using the 75% and vacancy calculation. 

Know how to analyze deals on your own, have a mentor, but make sure you know how to calculate all the numbers on your own2.

Hi BiggerPockets Community,I've been searching for a comprehensive real estate investment calculator that includes depreciation and offers a full range of investment metrics.

With asset based or DSCR (debt service coverage ratio) loans or rental specific loans, lenders calculate the income by the PITI (principal, interest, taxes and insurance) to qualify for the mortgage loan.

The first thing I recommend doing is removing the primary home value and debt from the calculations.

Otherwise, just factor the new rate you'd get on a rental property into your calculations.

These updates kill the ROI in my calculations/projections. 

It's hard to figure out in California which way to calculate profit.