Annualize one source-labelled entered cash-flow record and compare it with a basis-labelled, itemized initial-cash record without inventing missing items or an investment verdict.
A quick decision brief for this specific tool
One currency label; a signed cash-flow amount with its source basis and monthly or annual period; and an invested-cash basis with separate acquisition-equity, buying, initial-rehabilitation, funded-reserve and other-initial-cash buckets
A basis-preserving annualized entered cash-flow record, itemized entered initial-cash total and cash-flow-to-cash arithmetic percentage
Multiply a monthly entered cash-flow amount by exactly 12 or retain an annual amount, add only the five entered initial-cash buckets, then divide the first by the second; no missing cash-flow, cash-investment, financing, tax, appreciation or market assumption is generated
Choose your path
Compare one source- and period-labelled signed cash-flow record with one basis-labelled, itemized initial-cash record without implying NOI, tax, leverage, appreciation, total-return or investment conclusions.
Keep the exact recorded period and any loss visible instead of silently rebuilding or grading cash flow.
Select trailing recorded, choose monthly or annual, enter the signed amount and retain the supporting record outside the calculator.
Gets a transparent annualization and ratio without an unsupported claim that the numerator is complete, NOI or taxable income.
Separate acquisition equity, transaction cash and amounts paid or credited at closing instead of calling down payment plus fees complete invested cash.
Select acquisition closing, enter five nonduplicated cash buckets from the reviewed record and reconcile the result against closing documents.
Sees every denominator bucket and the total without a leverage, financing or investment verdict.
Include reviewed rehabilitation, funded reserve and other initial cash without erasing the denominator's date or basis.
Select post-closing reconciled, enter the matching buckets and create a separate record when source, period or scope changes.
Can preserve a negative or positive scenario while keeping appreciation, refinancing, taxes and total return outside the arithmetic.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Annualize one source-labelled cash-flow amount and one source-labelled debt-service amount for the same record scope, then divide them without a lender threshold or approval conclusion.
Select trailing recorded, reviewed current budget or another reviewed source. The signed amount may be positive, zero or negative; the tool does not infer its operating, debt-service, capital or tax coverage.
Annualized entered cash flow = entered amount × 12 when monthly, otherwise × 1Label the denominator as an acquisition closing record, post-closing reconciliation or another documented record. Separate buckets expose additions and duplication; their sum is not declared complete.
Entered cash total = acquisition equity + buying cash + initial rehabilitation + funded reserve + other initial cashThe denominator must be greater than zero. The percentage belongs only to the two selected records and carries no performance grade, forecast or investment conclusion.
Entered cash-flow / cash ratio = annualized entered cash flow ÷ entered cash total × 100Updated: August 2026
USD 4,800 annual recorded cash flow divided by USD 60,000 acquisition equity plus USD 8,000 buying cash equals 7.06%. The output retains both source labels and does not grade the percentage.
A monthly budget amount is multiplied by exactly 12. Use a post-closing reconciled denominator only when its rehabilitation, funded reserve and other initial-cash buckets have been reviewed for the same scope.
CAD −200 monthly against CAD 80,000 entered initial cash annualizes to CAD −2,400 and produces −3.00%. The loss remains visible without assuming appreciation, tax effects or a future recovery.
Choose Monthly or Annual explicitly and confirm that the cash-flow source covers the intended property and period before comparing it with the denominator.
Reconcile deposits, credits, closing cash, rehabilitation, reserves, other initial cash and possible duplication against the exact selected record; the tool adds only what was entered.
Choose the exact source and monthly or annual period for one signed cash-flow amount. Then choose the basis for the initial-cash denominator and enter acquisition equity, buying transaction cash, initial rehabilitation cash, funded reserves and other initial cash as separate, nonduplicated buckets. The calculator annualizes only the entered numerator, adds only the entered denominator buckets and reports their arithmetic percentage. It does not construct cash flow, decide whether costs are complete, calculate NOI or taxable income, analyze leverage or appreciation, estimate total return, or recommend an investment.