The capital loss would be calculated as the difference between your original investment amount and the amount you received back (in this case, 10% of your principal).

Perhaps you have coverage for the replacement value BUT the insurance company when calculating the replacement property uses modern building materials like drywall but your original house had plaster which is much more expensive.

Most lenders require 6-12 months from acquisition seasoning before using the appraised current fair market value to calculate LTV.

However, the depreciation claimed while the property was a rental must be accounted for upon the future sale of the personal residence, which could increase your capital gains tax liability.The adjusted basis of the property (original cost minus depreciation) will be used to calculate gains or losses at the time of sale.

For example:CapEx: $250-300 per unit per year for older properties, adjusted based on age and condition.Maintenance: $500-800 per unit per year, depending on property class and tenant turnover.Make-Ready Costs: $1,000-2,000 per unit for turnover, depending on the scope of work required.Resources and Tools: Utilize tools like BiggerPockets’ Pro Calculator or other underwriting spreadsheets that have built-in assumptions for these categories.

I tend to operate under conditions I’m familiar with, also taking calculated risks of what I don’t know yet.

There are several websites available today that will help you to calculate potential rents.

This is a quick calculation that we can do to see how much house you can purchase at 100% financing if desired.

They control the tax bracket and tax calculation.

The bigger pockets calculators definitely help a lot.