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Refinance Analyzer

Use the Refinance Analyzer below to estimate the potential profit and return on investment from your next deal. Edit the assumptions to adjust the calculation.

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$35,408

Cash Out Proceeds

$5,068

Annual Net Cash Flow

$628

New Loan Payment

1.67

Debt Service Coverage

Refinance Cost
New Loan Amount
$92,100
Current Loan Payoff
$49,100
Loan Points
$1,842
Loan Closing Costs
$5,750
Total Refinance Cost
$56,692
Total Cash Out Proceeds
$35,408

Loan Terms
New Loan Amount
$92,100
Monthly Loan Payment
$628
Interest Rate
7.25%
Property Net Cash Flow
$12,607
Annual Loan Payment
$7,539
Debt Coverage Ratio
1.67

Closing Costs
Attorney's Fees and Loan Docs
Mortgage Taxes and Doc Stamps
%
$0
Title - Lender's Policy
%
$645
Title Search
Wire/Courier
Recording and Mortgage
Lender Underwriting Fee
Appraisal
Escrow/Settlement Fee
HOA Report/Estoppel/Unpaid Dues
Lender Processing
Prepaid Loan Reserve
(Months)
$0
Prepaid Insurance Premium
(Months)
$540
Misc.
Total Loan Closing
$5,750

Rental Income
Monthly Market Rent
$1,300
Potential Gross Rent
$15,600
Vacancy Factor
%
$780
Effective Gross Rent
$14,820
Property Taxes
%
$1,173
Hazard Insurance
%
$540
HOA Dues (Annual)
Maintenance and Reserve
Total Expenses
$2,213
Net Operating Income
$12,607
Annual Loan Payment
$7,539
Net Cash Flow After Debt Service
$5,068
Debt Coverage Ratio
1.67
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Disclaimer: Information on estimated costs and profitability is provided for informational purposes and is deemed to be valid and reliable, but is not guaranteed. It is your sole responsibility to independently confirm and verify all information upon which you may rely or use.