Enter a deal below and see cash flow, cap rate, cash-on-cash return, DSCR, and a full 10-year projection update instantly. Built for Milwaukee and Wisconsin investors — no sign-up to use it.
Estimates are educational and illustrative only — not a commitment to lend, a rate quote, or investment, tax, or legal advice. Projections assume steady appreciation, rent, and expense growth; actual results will vary. Speak with your tax and legal advisors before investing.
The web tool gives you the headline numbers. The workbook lets you go deeper and save your own scenarios.
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Download the Excel workbookHere's the one-page summary I hand to clients on a real deal — the same numbers, presentation-ready.
View the sample PDFA calculator works with the assumptions you give it. I'll pressure-test a real deal with current rates, true closing costs, and the loan programs that fit how you're buying — then get you pre-approved to make a strong offer.
Cash-on-cash return is your annual pre-tax cash flow divided by the actual cash you put into the deal (down payment, closing costs, and upfront repairs). Many Wisconsin buy-and-hold investors target somewhere in the 6–10% range, but "good" depends on your goals — a lower cash-on-cash deal can still win if it's in a strong appreciation area or you're buying for long-term equity rather than monthly income.
Cap rate is net operating income divided by the purchase price — it measures the property's return as if you paid all cash, ignoring financing. Cash-on-cash factors in your mortgage and only the cash you actually invested. Cap rate is useful for comparing properties to each other; cash-on-cash tells you what your money is doing in this specific, financed deal.
DSCR (debt-service coverage ratio) is net operating income divided by your annual mortgage payments. A DSCR above 1.0 means the property's income covers its loan payment. It matters because DSCR loan programs qualify the property's cash flow rather than your personal income — many lenders look for roughly 1.20 or higher, though it varies by program. Ask me which options fit your situation.
The 1% rule is a quick screen: monthly rent divided by purchase price. If rent is at least 1% of the price, the deal is worth a closer look. It's a rule of thumb, not a verdict — taxes, insurance, and your interest rate ultimately decide whether a property cash flows. Use it to filter, then run the full numbers here.
The math is solid, but it's only as accurate as your inputs. This tool is for education and screening — it isn't a rate quote, a commitment to lend, or tax advice. For an accurate picture, get a real rate based on the property and your profile, verify the actual taxes and insurance, and budget realistic vacancy and maintenance. That's exactly what I'll help you do on a call.