Rental Property Analyzer (Cash Flow, ROI, 10-Year IRR)

$24 · Excel (.xlsx), works in Google Sheets and Numbers

Etsy title

Rental Property Analyzer Excel Template, Cash Flow ROI DSCR Calculator, 10-Year IRR Projection, House Hacking and Landlord Spreadsheet

Description

Stop guessing whether a rental deal actually works. This Excel workbook takes a property's price, financing, rent, and expenses and turns them into the numbers that matter: monthly cash flow, cap rate, cash-on-cash return, DSCR, the 1% and 50% rules, and a plain PASS, CAUTION, or FAIL scorecard you can see at a glance.

Type your numbers into the blue cells on the Deal tab and everything else updates instantly, including a full 10-year projection with rent growth, expense growth, appreciation, loan paydown, a sale in your chosen hold year, IRR, and equity multiple. A complete month-by-month amortization schedule runs the full loan term. A Compare tab lets you line up to four properties side by side, with the best cash flow, cap rate, cash-on-cash, and DSCR highlighted automatically. Two built-in charts show yearly cash flow and equity versus loan balance so the trend is obvious without reading a single number.

This is built for small landlords and house hackers, not institutional analysts. There is no macro, no plugin, and nothing to install. It opens pre-filled with a sample duplex deal so you can see exactly how it works before you touch a single cell, then clear it out and run your own numbers. The scorecard's thresholds live in their own editable block, so if your bar for a good deal is different from the defaults, you can change it in ten seconds.

Every non-input number in this workbook is a live formula: PMT for the mortgage payment, CUMPRINC for principal paydown, IRR for the 10-year return. Built with AI assistance and formula-checked; formulas are fully open, so you can click any cell and see exactly how the answer was built, learn from it, or adapt it. Nothing is hidden, locked, or protected.

Works in Excel, Google Sheets, and LibreOffice Calc. Delivered as a single .xlsx file, instant digital download, no physical product ships.

What is inside

• Start Here: one-screen guide with 5 steps, a color legend, and how the tabs fit together
• Deal: single-property analyzer with cash flow, cap rate, cash-on-cash, DSCR, 1% and 50% rule checks, break-even occupancy, and an editable PASS / CAUTION / FAIL scorecard
• 10-Year Projection: year-by-year rent, expenses, NOI, debt service, cash flow, principal paydown, loan balance, equity, property value, sale-year exit proceeds, cumulative profit, IRR, and equity multiple
• Amortization: full 360-month amortization schedule, formula-driven from the Deal tab
• Compare: up to 4 properties side by side with the best value in each row highlighted
• Charts: yearly cash flow and equity vs. loan balance, charted automatically from your numbers

Tags

• rental property
• real estate excel
• cash flow calculator
• cap rate calculator
• DSCR calculator
• house hacking
• landlord spreadsheet
• rental analysis
• real estate investor
• BRRRR spreadsheet
• IRR calculator
• amortization schedule
• property comparison

Gumroad description

A plain-English rental property calculator built in Excel: enter a property's price, financing, rent, and expenses and instantly see monthly cash flow, cap rate, cash-on-cash return, DSCR, a 10-year projection with IRR and equity multiple, a full amortization schedule, and a side-by-side comparison for up to four properties, all backed by open, editable formulas with no macros, plugins, or locked cells, opening pre-filled with a sample deal so you can see how it works before you run your own numbers.