Greystone Capital Group — Deal Calculator
Fix & Flip · BRRRR / Refi+Rent · Mid-Term Rental · Based on Greystone Underwriting Model V2
Fix & Flip
BRRRR / Refi+Rent
Mid-Term Rental
Property & Project
Purchase Price
$250,000
After Repair Value (ARV)
$545,000
Rehab Cost (Base)
$85,000
Rehab Contingency %
10%
Purchase Closing Costs %
3%
Hold Period (months)
6 mo
Financing (Hard Money / Private)
LTV on Purchase %
90%
% of Rehab Financed
100%
Interest Rate (annual)
12%
Points % of Total Loan
2%
Monthly Carrying Costs
Property Taxes / mo
$300
Insurance / mo
$150
Utilities & Misc / mo
$200
HOA / mo
$0
Selling Costs
Agent Commissions % of ARV
6%
Seller-Paid Closing % of ARV
1%
70% Rule — Max Purchase Price
70% x ARV minus Rehab Budget
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Net Profit
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ROI on Cash
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Annualized ROI
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Total Cash Needed
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All-In Cost
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Gross Profit
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Total Sell Costs
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Break-Even ARV
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Cash Required
Down Payment
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Rehab (not financed)
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Purchase Closing
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Interest & Lender Costs
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Carrying Costs
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Total Cash Needed
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Cost Breakdown
Rehab Total (w/ contingency)
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Loan Amount
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Points Cost
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Total Interest
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Total Carrying Costs
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Agent Commission
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Total Project Cost
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ARV Sensitivity
Scenario
ARV
Net Profit
ROI
From Flip (Pull Forward)
ARV (same as flip)
$545,000
Original Cash Invested
$63,380
Current Loan Payoff
$318,500
Refinance Inputs
Refi LTV % of ARV
75%
New Loan Interest Rate
7.0%
Amortization (years)
30 yr
Refi Closing Costs %
3%
Rental Inputs
Market Rent / mo
$3,500
Vacancy Rate %
5%
Property Taxes / mo
$300
Insurance / mo
$150
HOA / mo
$0
Utilities (owner paid) / mo
$200
Property Mgmt % of EGI
8%
Repairs & Maintenance % EGI
3%
CapEx Reserve % of EGI
5%
Net Cash Out
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Cash Left In Deal
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New Loan Amount
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Equity After Refi
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Monthly Cash Flow
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NOI (annual)
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DSCR
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Cap Rate
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Refi Results
New Loan Amount
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Refi Closing Costs
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Total Payoff
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Net Cash Out
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Cash Left In Deal
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Cash Out as % Invested
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Rental P&L
Gross Potential Income
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Vacancy Loss
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Effective Gross Income (EGI)
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Operating Expenses
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NOI
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Annual Debt Service
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Cash Flow (annual)
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Rent Sensitivity
Scenario
Monthly Rent
Annual Cash Flow
DSCR
Property & Financing
Purchase Price
$399,000
Down Payment %
25%
Interest Rate
7.5%
Loan Term (years)
30 yr
Income
Monthly Mid-Term Rent
$3,200
Vacancy Rate %
5%
Monthly Operating Expenses
Property Tax % of Value
2.2%
Insurance / mo
$175
Property Mgmt %
8%
Repairs & Maintenance / mo
$100
HOA / mo
$0
Monthly Cash Flow
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Cash-on-Cash
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Annual Cash Flow
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Down Payment
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Gross Yield
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Cap Rate
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DSCR
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Break-Even Occ.
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Income
Gross Rent
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Vacancy
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Effective Gross Income
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Expenses
Mortgage P&I
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Property Tax
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Insurance
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Property Mgmt
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Repairs & Maint.
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HOA
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Total Expenses
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Purchase Price vs Rent Sensitivity
Purchase Price
$2,800/mo
$3,200/mo
$3,600/mo
$4,000/mo