Run the Numbers Before You Buy the Property.

This is a real underwriting tool, not a toy. Plug in the actual purchase price, rent, financing terms, and expenses on a Mississippi Gulf Coast property and get back the numbers that matter — cap rate, cash flow, and cash-on-cash return — before you're under contract, not after.

Acquisition & Financing

What you're paying and how you're paying for it.

Purchase price ($)

Down payment (%) Percent paid in cash at closing. The rest is financed.

Interest rate, annual (%)

Loan term (years)

Closing costs ($)

Initial repairs / renovation ($)

Income & Operating Expenses

Everything the property brings in and costs to run, before the mortgage.

Monthly rent ($)

Other monthly income ($) Laundry, storage, pet fees, parking.

Property taxes, annual ($)

Insurance, annual ($) Gulf Coast wind/hurricane and flood coverage add up — use a real quote, not a guess.

HOA ($/month)

Property management (% of gross rent) Include this even if you're self-managing — it belongs in the underwriting.

Repairs / maintenance (% of gross rent)

Capital expenditure reserve (% of gross rent) Set-aside for big-ticket items — roof, HVAC, water heater.

Vacancy (%) Percent of the year the unit sits empty between tenants, on average.

Utilities paid by owner ($/month)

Other expenses ($/month) Lawn care, pest control, pool service, licensing.

Please enter a valid purchase price, monthly rent, and loan term (all must be greater than zero).

Estimated Results

Based on the numbers you entered above.

Est. Monthly Mortgage (P&I)

Gross Monthly Income

Effective Gross Income (after vacancy)

Total Monthly Operating Expenses

Net Operating Income (NOI)

$0/mo · $0/yr

Monthly Cash Flow

Annual Cash Flow

Cap Rate

0.0%

Cash-on-Cash Return

0.0%

Estimated Cash Required

Annual Debt Service

1% Rule

0.00% — —

What is cap rate? Annual NOI (income after operating expenses, before the mortgage) divided by purchase price. It lets you compare properties on their own merits, independent of how you finance them.

What is cash-on-cash return? Annual cash flow divided by the actual cash you put in — down payment, closing costs, and repairs combined. It measures the return on your out-of-pocket money, financing included.

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Get Lincoln Group's Take on This Deal

Want a second opinion on the numbers? Lincoln Group can review the deal with you and help you evaluate the property.

Got it — your numbers are on the way to Lincoln Group. Jared will review your underwriting and follow up personally. Your results are still on screen above if you want to copy or print them.

These figures are estimates based on the numbers you enter. This is not lending, tax, investment, or financial advice — verify all numbers independently and consult a qualified professional before making a purchase decision.