Real Estate Portfolio Analyzer Calculator

Analyze your entire rental portfolio: total value, equity, NOI, cash flow, DSCR, cap rate, and projected appreciation across all properties.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Number of Properties

Avg Property Value ($)

Avg Monthly Rent ($)

Avg Vacancy Rate (%)

Avg Expense Ratio (%)

Avg Loan Balance ($)

Avg Interest Rate (%)

Avg Remaining Term (years)

Annual Appreciation (%)

Tab to move between fields

Results

Total Annual Cash Flow

-$7,058.71

Total Portfolio Value$1,000,000.00

Total Equity$300,000.00

Total Debt$700,000.00

Portfolio LTV70%

Portfolio NOI$46,035.00

Portfolio Cap Rate4.6%

Debt Service Coverage0.87

Cash-on-Equity Return-2.35%

Avg Monthly CF/Property-$117.65

Gross Rent Multiplier11.11

5-Year Appreciation Gain$159,274.07

How to Use This Calculator

Enter Number of Properties and average values: Avg Property Value and Avg Monthly Rent.
Set Avg Vacancy Rate % and Avg Expense Ratio % to model effective net income.
Input average loan details: Avg Loan Balance, Avg Interest Rate, and Avg Remaining Term.
Set Annual Appreciation % to project long-term portfolio growth.
Review Total Annual Cash Flow, Portfolio LTV, and Total Equity to assess portfolio health.
Check Portfolio NOI and Debt Service Coverage to evaluate lender qualification for additional purchases.

How the result changes with Avg Loan Balance ($)

Avg Loan Balance ($)	Total Annual Cash Flow
10,000,000	-$3,746,373.14
35,000,000	-$13,227,393.49
65,000,000	-$24,604,617.92
90,000,000	-$34,085,638.27

What each input means

Number of Properties: Total number of rental properties in portfolio.
Avg Property Value ($): Average current market value per property.
Avg Monthly Rent ($): Average monthly rent per property.
Avg Vacancy Rate (%): Average vacancy across all properties.
Avg Expense Ratio (%): Operating expenses as % of effective income.
Avg Loan Balance ($): Average remaining mortgage per property.
Avg Interest Rate (%): Weighted average interest rate.
Avg Remaining Term (years): Average remaining loan term.
Annual Appreciation (%): Expected annual property value appreciation.

What each result means

Total Annual Cash Flow: NOI minus total debt service across portfolio.
Total Portfolio Value: Sum of all property values.
Total Equity: Portfolio value minus total debt.
Total Debt: Sum of all loan balances.
Portfolio LTV: Total debt / total value.
Portfolio NOI: Total net operating income.
Portfolio Cap Rate: NOI / total value.
Debt Service Coverage: NOI / debt service. > 1.25 is healthy.
Cash-on-Equity Return: Cash flow / total equity.
Avg Monthly CF/Property: Average monthly cash flow per property.
Gross Rent Multiplier: Total value / gross annual rent.
5-Year Appreciation Gain: Projected equity gain from appreciation over 5 years.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Number of Properties = 5, Avg Property Value ($) = 200000, Avg Monthly Rent ($) = 1500, Avg Vacancy Rate (%) = 7 = 9 input(s) provided
Calculate Total Annual Cash Flow
Total Annual Cash Flow = portfolioNOI - totalAnnualDebtService
-7058.71 = $-7,058.71
Calculate Total Portfolio Value
Total Portfolio Value = numProperties * avgPropertyValue
1000000 = $1,000,000
Calculate Total Equity
Total Equity = totalPortfolioValue - totalDebt
300000 = $300,000

Engine last updated July 26, 2026. Checked against 1 independently-derived test — how we verify calculators.

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