Royal Villicus: One stop real estate investor calculator.

Annual operating expenses

Janitor

Advertising

Maintnance

Insurance

Legal

Income taxes (State and Federal)

Management fee

Mortgage

Original principle of loan

Current balance of loan

Interest rate
%

# of already paid payments

Monthly payment

Year(s) to payback

Taxes

Tax rate for depreciation
%

Tax rate for profit
%

Tax rate
%

Rental Income

Gross rents possible

Other income possible

Vacancy amount

Cash Invested

Asking price

Price of property

Selling price

Down payment

cash invested

Other

% rate appreciation*
%
*anticipated % rate that the house will rise in value next year

Net Operating Income: NOI

Operating expenses

Potential gross income: PGI

Effective gross income: EGI

Net operating income: NOI

What is Net Operating Income?

Cap Rate

percent expressed in decimal format
%

What is Cap Rate?

Operating Expense Ratio: OER

Requires: annual operating expenses and EGI

OER

OER advertising

What is Operating Expense Ratio?

Gross Rent Multiplyer: GRM

Requires: PGI and selling price

GRM

What is Gross Rent Multiplyer?

Debt Coverage Ratio

Requires: annual operating expenses and EGI

Debt coverage ratio

Debt service

What is Debt coverage ratio?

Break Even Ratio

Requires: debt service, AOE, and PGI

Break even ratio
%

What is break even ratio?

Net Present Value: NPV

Requires: annual operating expenses and EGI

Net present value

What is Net Present Value?

Loan-To-Value Ratio: LTV

Requires: balance of loan and EMV avg

Loan-to-value ratio

What is Loan-to-value ratio?

Estimated Market Value: EMV

Requires: NOI and debt service

EMV1

EMV2

Avg of EMV 1&2

What is Estimated Market Value?

Adjusted Present Value: APV

Requires: tax rate, NPV, and other cash invested

Adjusted present value

What is adjusted present value?

Cash Flow Before Tax: CFBT or BTCF

Requires: NOI and debt service

Cash flow before tax

What is cash flow before tax?

Cash Flow After Tax: ATCF or CFAT

Requires: CFBT and income tax

Cash flow after tax

What is cash flow after tax?

Capital Gains Tax

Requires: price of property, claimed depreciation, selling price, and tax rate for D & P

Adjusted basis

Profit from sale

Tax from depreciation

Tax from profit

Capital gains tax

What is capitla gains tax?

Real Estate Leverage: REL

Requires: asking price, and % appreciation

1st year appreciation

2cd year appreciation

Total appreciation

2cd year EMV*

*Estimated market value

What is Real Estate Leverage?

Return On Equity

Requires: CFAT and down payment

Return on equity
%

What is Return on equity?

Return On Investment: ROI

Requires: price of property and CFAT

Return on investment
%

What is return on investment?

% Increased In Value

Requires: down payment and % appreciation

% Increased in value
%

What is % increased in value?

Cash On Cash Return

Requires: CFBT and cash invested

Cash on cash return
%

What is cash on cash return?

To get an indepth look at the mortgage loan, please download this free excel sheet. The sheet includes a large number of calculations, which would just be feasible to host on the site. Along with calculating number of years, total loan cost, and interest paid, you will also be able to determine:

Remaining principle

How you can save money

The best payment method that fits your budget

Compare three different payment methods

Interest rate per month

Detailed tables showing each payment

More, all for free!

To get an explanation of different terms in the calculator just follow the links on the spreadsheet to our online glossary, so you wont be left in the dark as to what each term means.
To download the free spreadsheet just click on the icon to the right and save it to your computer.

If you do not have Excel installed, you can download a free Excel viewer to acess the file. Thank you very much for visiting Royal Villicus!