Equity & Cash Flow
Source: ProjectionsAnnual Net Cash Flow
Per year, all propertiesHoldings
Active propertiesPortfolio
Property data, mortgage details & current returns. Click any figure to edit it.
Global Settings
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Properties
Key Metrics
Annual Projections
Each year shows every active property plus a portfolio total, 2026–2055.
Growth Assumptions
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2026
Properties active by that yearPortfolio Totals by Year
Depreciation Schedule
IRS straight-line depreciation over 27.5 years (residential rental). Land is not depreciable.
Applies to any property without a manually entered land value below.
By Property
Portfolio Depreciation by Year
2008–2058Stress Test Analysis
Model portfolio resilience under varying market conditions.
Scenario Assumptions
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Debt Service Coverage Ratio
NOI ÷ Annual Debt Service · ≥1.25 healthy · 1.00–1.24 caution · <1.00 distressNet Cash Flow Under Stress
Annual $, after vacancy, credit loss, rent change & all expensesRefinance Opportunities
Simulates each property forward year by year: once equity crosses the threshold below, it refinances, cash comes out, and the new (larger) balance keeps amortizing from there. If equity rebuilds past the threshold again later, it refinances again — repeating for as many cycles as the projection horizon allows. Set a property's "Refi?" column to Exclude on the Portfolio tab to keep it out of this entirely.
Refi Rules
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A property qualifies once its equity share of market value reaches the first number. The refi is sized to a new loan at (100% − the second number) loan-to-value, so that equity share is what's left standing after cash-out.
Reinvestment
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Cash-out reinvestment: each refinance cash-out becomes the down payment on a new property sized so the cash covers exactly that percentage of its price. The new property is financed at the same rate/term as the one that funded it, and its estimated rent and operating costs scale off its price -- it then builds its own equity and can refinance (and reinvest again) later on its own schedule.
Yearly cash-flow reinvestment: when enabled, the portfolio's positive net cash flow each year is pooled and, once it can cover a down payment, buys another property using the same sizing assumptions above. This compounds independently of refinancing -- so you can model growing purely from cash flow, purely from refinances, both, or neither.