sfrcalc.com
Free property investment calculators & market insight

Run the numbers before you run the deal.

Nine calculators covering buy-and-hold, value-add, and financing decisions — free to use, built for investors who want the real math, not a rule of thumb.
Market spotlight
A different market highlighted every month — the case for it, and the catch.
Columbia, South Carolina

Strong in-migration, prices still well under the national median, and the property tax quirk every out-of-state investor needs to model before buying.

Market data
Interactive maps and data tools, updated as new figures come out.
Where Investors Are Buying

An interactive map of investor home-purchase share across 39 major U.S. metros, from Redfin's latest quarterly report.

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From the ledger
Guides, market breakdowns, and notes on the numbers.
Cap Rate vs. Cash-on-Cash Return

What each metric actually measures, and why they can move in opposite directions on the same deal.

How Much Cash Flow Is Actually "Good"?

Setting realistic return targets by range, not by a single magic-number rule.

The Real Cost of Vacancy

Why a 5% vacancy reserve is a long-run average, not what one real turnover actually costs.

House Hacking 101

Live in one unit, rent the others — the financing edge, and what happens after you move out.

Short-Term vs. Long-Term Rental

Higher revenue doesn't always mean higher cash flow once real STR expenses are included.

The BRRRR Method, Step by Step

Buy, rehab, rent, refinance — where the cash actually comes from, and where deals go wrong.

The 70% Rule: A Screen, Not a Guarantee

What the 30% margin is actually covering, and where a flat rule breaks down.

Refinance Risk: What If Rates Move First?

Rate, appraisal, and lending-standard risk in the gap between purchase and refinance.

Assignment vs. Double Close: What Actually Changes

Same spread, two different mechanics — what changes in cost, privacy, and which contracts even allow it.

DSCR Loans Explained

How lenders size a loan off the property's own rent, with no personal income required.

Cash vs. Financing: How Purchase Type Changes Your Return

Why cash flow, cash-on-cash return, and cap rate don't all move together when you toggle financing.

Rent vs. Buy: When the Math Favors Renting

Why "renting is throwing money away" misses what the down payment could have earned invested instead.

Where to Find the Numbers Your Calculator Needs

A calculator is only as good as its inputs — where rent, price, repair, rate, tax, and insurance numbers actually come from.