Quote from @Gabe Walters: Sit down with a pen and paper to calculate your actual losses, then see which one hits harder.

I am searching for resources to calculate (spreadsheet) but most available consider you are buying the house and immediately renting.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

An investor friendly agent can do all sorts of helpful things, like setting you up with a search for properties or connecting you with folks who have recently done deals like the ones you want to do. 6) Consider analyzing a deal or two in your local market, just for practice, with a free use of our Rental Property Calculator (or other calculators).

As you mentioned, you can depreciate the improvement value over 27.5 years for residential property.So, to calculate the depreciation recapture after 5 years, you can use the following formula:Depreciation Recapture = (Original Improvement Value / Useful Life) x Accumulated Depreciation x Time HeldIn your example, it would be:Depreciation Recapture = ($200,000 / 27.5) x (5 years) = $36,364.36So, after 5 years, your accumulated depreciation is approximately $36,364.36.Now, when you sell the house for $400,000, the profit you'll have to consider for tax purposes would be:Profit = Selling Price - Adjusted BasisThe adjusted basis is the original purchase price minus the accumulated depreciation.

Reserve is really tricky on calculating.

I understand BiggerPockets has calculators, an exhaustive list at that.

They believe all agents are the same, and then they buy a dump that they think pencils because of what they did on a calculator, even though they don't know rehab costs.New investors who are financially stable, have a plan, and want to learn are great clients to take on.

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

Maximum 10 total properties (not 10 financed properties like fannie/freddie 1-4 unit properties, so even if the properties are free and clear it counts against this 10 "properties," whether there is debt/liens against them or not)You can use 1 year tax returns for self employment and 1 year tax returns for rental property income calculations as well which is huge for BP folks since most of us are rental property investors and self employed/S-corp/schedule C personal tax returns@Matthew Kwan @Carlos Valencia @Joe Homs