REO Investment ROI Calculator

1Property

Street Address

City

2Acquisition & Financing

Purchase Price

Downpayment %

Enter percent down (e.g., 20 for 20%).

Interest Rate %

Loan Term (years)

Amortization Type

Acquisition / Closing Costs

Default matches legacy sheet assumption.

3Renovation

Paint

Carpets / Flooring

Appliances

Fireplace Cleaning

Roof

Pest Repairs

Other Repairs

Timeframe to Complete (months)

Renovated Value (optional)

If 0, we assume renovated value = purchase price.

Estimated Selling Costs %

4Income & Operating Expenses (Monthly)

Gross Rents (monthly)

HOA Dues (monthly)

Advertising

Auto & Travel

Insurance

Landscape Maintenance

Property Maintenance

Management Fees

Other

Property Tax Rate % (annual)

Legacy sheet assumed ~1.30% annually.

5Market Assumptions

Property Appreciation %

Rent Increase %

Expense Increase %

Vacancy Rate %

6Depreciation Assumptions

Market Value of Improvements (portion)

Legacy sheet default: 75% of renovation counted as improvements.

Effective Income Tax Bracket %

Depreciable Years

Note: This tool mirrors the legacy worksheet approach where “after-tax cash-flow” adds depreciation to cash-flow as an approximation.

Summary

Rent to Price Ratio—

Total Renovation Cost

—

Renovated Market Value

—

Cash Invested

—

Monthly NOI

—

5-Year Projection

Metric	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5
Property Value
Gross Income (Annual)
Expenses (Annual)
NOI (Annual)
Cap Rate
Debt Service (Annual)
Debt Coverage Ratio
Cash-Flow (Before Tax)
After-Tax Cash-Flow (Approx)
Cash-on-Cash Return
Net Equity (after sell costs)
Cumulative After-Tax Return

Print tip: click Print / Save PDF, choose “Save as PDF”, and the worksheet will format cleanly.