For your second door through your tenth
Every door adds up.
Unitsum shows the math behind a rental or wholesale deal: every input, every formula, every verdict. Know why the deal works before you make the offer.
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Monthly cash flow
Sample dealDuplex · offer $245,000 · 25% down
- Gross rent2 × $1,300
- $2,600
- Vacancy5%
- −$130
- Property taxes
- −$310
- Insurance
- −$120
- Maintenance10% of rent
- −$260
- Net operating income
- $1,780
- Debt service$183,750 at 6.75%, 30 yr
- −$1,192
- Cash flow
- +$588/mo
Cash flows. 10.5% cash-on-cash clears an 8% target, and stays above it up to about $266,000.
Know your numbers, door by door.
A spreadsheet is honest but fragile. A guru's calculator is confident and opaque. Unitsum is the one that explains itself.
Every figure opens up
Cap rate, cash-on-cash and DSCR each show the inputs and the formula behind them. Nothing is a score you have to take on faith.
Your assumptions, in the open
Vacancy, maintenance and financing sit next to the numbers they change, so you always know which figures are yours and which are estimates.
Compare before you commit
Line up the properties you are weighing against your own targets for cash flow and return, and archive the ones you pass on.
Learn as you go
The guided example walks through a full deal one term at a time, so the next analysis makes more sense than the last.
What Unitsum calculates
The figures lenders, partners and sellers will ask you about, defined in plain words.
- Cash flow, monthly and annual
- Rent, less vacancy, operating costs and the mortgage payment.
- Net operating income
- What the property earns before financing. The basis for cap rate.
- Cap rate
- Net operating income divided by the purchase price.
- Cash-on-cash return
- Annual cash flow divided by the cash you put in, including rent-ready costs.
- 12-month projections
- Income and expenses month by month for the year ahead.
- Principal paydown
- What your tenants pay down on the loan, and the equity it builds.
Built for your second deal, not your hundredth.
Growing a rental portfolio
You own a door or two and want the next one to be better than the last. Check a property against your own targets for cash flow and return before you tour it twice.
Starting out in wholesale
Your end buyer is usually a landlord. Find the price at which the rental math works for them, so your offer leaves room for both of you.
One plan. Every door.
Everything in Unitsum, for as many properties as you look at.