Calculator
Long-Term Hold ROI
All core assumptions stay above the fold, with percentage fields editable as percentages.
Property
Acquisition price and starting rent assumptions.
Finance
Leverage and repayment settings for the hold model.
Income and costs
Operating expenses and rent growth used in the annual projection.
Scenario summary
Immediate pain, debt structure, and long-term upside in one view.
Annual projection
The final row mirrors the workbook payoff row so parity stays exact.
| Year | Rent | Loan start | Interest | P&I cashflow | P&I ROI | IO cashflow | IO ROI |
|---|---|---|---|---|---|---|---|
| 1 | $52,000.00 | $960,000.00 | -$42,665.10 | -$313,930.15 | -5.06% | -$298,760.00 | 0.01% |
| 2 | $52,780.00 | $944,294.95 | -$41,967.12 | -$14,393.05 | -4.82% | $777.10 | 0.26% |
| 3 | $53,571.70 | $927,891.93 | -$41,238.13 | -$13,644.89 | -4.57% | $1,525.26 | 0.51% |
| 4 | $54,375.28 | $910,759.91 | -$40,476.73 | -$12,885.51 | -4.31% | $2,284.64 | 0.76% |
| 5 | $55,190.90 | $892,866.50 | -$39,681.50 | -$12,114.74 | -4.05% | $3,055.40 | 1.02% |
| 6 | $56,018.77 | $874,177.85 | -$38,850.92 | -$11,332.41 | -3.79% | $3,837.74 | 1.28% |
| 7 | $56,859.05 | $854,658.62 | -$37,983.43 | -$10,538.35 | -3.53% | $4,631.80 | 1.55% |
| 8 | $57,711.94 | $834,271.91 | -$37,077.39 | -$9,732.37 | -3.26% | $5,437.78 | 1.82% |
| 9 | $58,577.61 | $812,979.15 | -$36,131.08 | -$8,914.30 | -2.98% | $6,255.85 | 2.09% |
| 10 | $59,456.28 | $790,740.09 | -$35,142.71 | -$8,083.96 | -2.71% | $7,086.18 | 2.37% |
| 11 | $60,348.12 | $767,512.65 | -$34,110.42 | -$7,241.17 | -2.42% | $7,928.98 | 2.65% |
| 12 | $61,253.34 | $743,252.93 | -$33,032.25 | -$6,385.74 | -2.14% | $8,784.41 | 2.94% |
| 13 | $62,172.14 | $717,915.03 | -$31,906.16 | -$5,517.47 | -1.85% | $9,652.68 | 3.23% |
| 14 | $63,104.73 | $691,451.05 | -$30,730.03 | -$4,636.18 | -1.55% | $10,533.97 | 3.53% |
| 15 | $64,051.30 | $663,810.93 | -$29,501.63 | -$3,741.67 | -1.25% | $11,428.48 | 3.82% |
| 16 | $65,012.07 | $634,942.41 | -$28,218.63 | -$2,833.74 | -0.95% | $12,336.40 | 4.13% |
| 17 | $65,987.25 | $604,790.89 | -$26,878.61 | -$1,912.20 | -0.64% | $13,257.95 | 4.44% |
| 18 | $66,977.06 | $573,299.35 | -$25,479.04 | -$976.83 | -0.33% | $14,193.32 | 4.75% |
| 19 | $67,981.71 | $540,408.24 | -$24,017.26 | -$27.43 | -0.01% | $15,142.72 | 5.07% |
| 20 | $69,001.44 | $506,055.35 | -$22,490.52 | $936.21 | 0.31% | $16,106.36 | 5.39% |
| 21 | $70,036.46 | $470,175.73 | -$20,895.93 | $1,914.31 | 0.64% | $17,084.46 | 5.72% |
| 22 | $71,087.01 | $432,701.51 | -$19,230.47 | $2,907.07 | 0.97% | $18,077.22 | 6.05% |
| 23 | $72,153.31 | $393,561.84 | -$17,491.00 | $3,914.73 | 1.31% | $19,084.88 | 6.39% |
| 24 | $73,235.61 | $352,682.68 | -$15,674.21 | $4,937.51 | 1.65% | $20,107.65 | 6.73% |
| 25 | $74,334.15 | $309,986.75 | -$13,776.68 | $5,975.62 | 2% | $21,145.77 | 7.08% |
| 26 | $75,449.16 | $265,393.28 | -$11,794.82 | $7,029.31 | 2.35% | $22,199.45 | 7.43% |
| 27 | $76,580.90 | $218,817.96 | -$9,724.89 | $8,098.80 | 2.71% | $23,268.95 | 7.79% |
| 28 | $77,729.61 | $170,172.70 | -$7,562.95 | $9,184.33 | 3.07% | $24,354.48 | 8.15% |
| 29 | $78,895.55 | $119,365.50 | -$5,304.94 | $10,286.15 | 3.44% | $25,456.30 | 8.52% |
| 30 | $80,078.99 | $66,300.30 | -$2,946.57 | $11,404.49 | 3.82% | $26,574.64 | 8.89% |
| 31 payoff | $81,280.17 | $10,876.72 | $0.00 | $60,033.04 | 20.09% | $27,709.76 | 9.27% |