20122 E MESA VERDE RD

Blueprint963 SF
0
0
2001
N/A
CAP RATE
CoC ROI
IRR

-

Rental Rate

$0

Purchase Price

Initial Investment
Blueprint963 SF
0
0
2001
N/A
Cordes Lakes
Proposed Cost$0
Rental Rate-
 
CAP RATE
 
CoC ROI

Cash on Cash (CoC) Return is the amount of cash flow you receive in one year compared to the amount of cash invested.

Your Cash on Cash gauge reflects a goal of . You can adjust your CoC goal in Settings - Blue Chip Criteria.

The formula for Cash on Cash Return is:

Annual Cash Flow/Total Investment
= CoC %

Using the value from the analysis on this page, the CoC Return is calculated as follows:

-/-
= -

Continue to learn more!:
Rescover Investment Term Library

 
IRR

Internal Rate of Return (IRR) measures how much, on average, you earn annually from a property—factoring in both the amount of money you invest and when you get money back (like rental income or sale proceeds).

Your IRR gauge reflects an IRR goal of . You can adjust your IRR goal in Settings - Blue Chip Criteria.

While cap rate and cash on cash measure the value and performance of a property annually, IRR takes into consideration appreciation, amortization, and the time value of money.

Because earlier cash flow is "worth more" in IRR terms, a faster exit can increase IRR even if you end up with less total profit. That's why it's helpful to look at both IRR and total wealth accumulation when deciding how long to hold the property.

The formula for IRR is quite complex. It is not something you would ordinarily calculator without a financial calculator or spreadsheet.

To setup an IRR calculation, you need to know your initial investment, the cash flows received each year during the investment, and the sales proceeds at disposition. This information is placed in a t-bar chart, in the format below:

PeriodCash Flow+Sales Proceeds
0(Initial Investment)
1CF 1
CF x
7CF 7+Sales Proceeds

A t-bar chart populated with the values from the property analysis on this page looks as follows:

EoYCash FlowsSale Proceeds

IRR = 0.0%

Adjust the hold period below to see how it affects the IRR

Continue to learn more!:
Rescover Investment Term Library

Calculator Mode:
Property Type:
Single Family
Rental Type:

-

Initial Investment

Initial Investment is the total amount of money you put in upfront to purchase and prepare the property—like your down payment, closing costs, and any immediate repairs or improvements. This figure helps you see how much of your own cash is tied up before rental income (or other revenue) starts coming in.

The initial investment for the property on this page is summarized in the table below:

Initial Investment Summary

Calculating
Purchase Price
Plus: Title Charges
Plus: Rehab Expense$0
Total Cost$0
Less: Loan Amount()
Plus: Loan Fees
Plus: Working Capital$0
Initial Investment-
%
Rental Rate AVM Prediction

Automated Valuation Modeling (AVM) uses machine learning algorithms to predict the rental rate for the subject property. These values are updated as often as monthly, based on closed transactions of similar properties in the area. Adjustments to the rental rate in the Rescover calculator will not affect the figures displayed on this card.

Property Value AVM Prediction
MLS History
No MLS history available
INITIAL INVESTMENT
Purchase Price
Plus: Rehab
Plus: Acquisition Closing Costs
Initial Project Cost
Plus: Carrying Cost Reserve (Excl. Prop Tax)
Total Cash Required
NET PROFIT
ARV
Less: Resale Costs
Less: Pro-Rated Property Tax
Less: Loan Payoff
Less: Initial Investment
Net Profit
Acquisition Method:
ACQUISITION AND PROJECT COST
$
$
$
* Monthly carrying costs include operating expenses from parameters tab. Edit Carrying Costs
REHAB & DISPOSITION TIME FRAME
$
%
LOAN AMOUNT
%
BRIDGE LOAN
%
%
NET PROFIT - FLIP ONLY
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Sales Price
Resale Costs
Loan Payoff
Gross Sales Proceeds
Less: Initial Investment
Less: Cumulative Carrying Costs
Net Profit
Net Profit Per Month
ROI
INITIAL INVESTMENT
Purchase Price
Plus: Rehab
Plus: Acquisition Closing Costs
Initial Project Cost
Plus: Carrying Cost Reserve (Excl. Prop Tax)
Total Cash Required
REFINANCE CASH IN/OUT
Permanent Loan Amount
Less: Bridge Loan Payoff
Less: Permanent Loan Fees
Cash In
POST REFINANCE INVESTMENT BASIS
Initial Cash Investment
Less: Cash In
Less: Carrying Costs Budget Surplus
Net Investment After Refinance
Acquisition Method: Bridge to Permanent
REHAB & VACANCY TIME FRAME
$
* Monthly carrying costs include operating expenses from Parameters tab. Edit Carrying Costs
REFI TIME FRAME & LOAN AMOUNT
%
N/A
PERMANENT LOAN
%
%
FLIP-TO-RENT YEAR 1 PROFORMA
Year 1 Total
INCOME 
Potential Rental Income
Vacancy Loss
Effective Rental Income
OPERATING EXPENSES 
Property Tax
Property Insurance
HOA
Property Management
Leasing Commissions
Utilities
Total Operating Expenses
Net Operating Income
NON OPERATING EXPENSES 
Loan Payment
Cash Flow from Operations
Carrying Cost Reserve Utilization
Net Cash Flow
Carrying Cost Reserve Balance

Calculating

Annual Cash Flow

This chart shows how much profit or loss you generate each year after paying all property expenses, including mortgage. It helps you visualize whether or not the property is self-sustaining and the inflection point for when it is expected to become cash flow positive.

INE chart

Return on Investment

This graph compares two ways to measure your annual return:

  • Cash on Cash: How much income you earn relative to your original cash invested (down payment, closing costs, etc.).
  • Return on Equity: How much income you earn based on your current equity (the portion of the property you actually own).

Watching both lines helps you decide if it's time to sell, refinance, or keep building equity.

CoC chart
  • Cash on Cash
  • Return on Equity

IRR & Net Gain

Here we see:

  • Internal Rate of Return (IRR): An annualized percentage that factors in when you receive cash flows and the sale proceeds.
  • Net Gain: The total dollar profit after subtracting your initial investment.
    A higher IRR often signals a more profitable or faster-paying investment, while Net Gain shows the overall profit you walk away with.

A higher IRR often signals a more profitable or faster-paying investment, while Net Gain shows your overall bottom line. However, IRR can peak early. If your IRR still beats other investment options, holding a property longer—even if the IRR seems stagnant—may increase your Net Gain in the end. Decide when you’re satisfied with your total profit before selling, especially if good investment properties are hard to find.

IRR chart
  • Internal Rate of Return
  • Net Gain
KPIs

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Initial Investment Summary

Calculating
Purchase Price
Plus: Title Charges
Plus: Rehab Expense$0
Total Cost$0
Less: Loan Amount()
Plus: Loan Fees
Plus: Working Capital$0
Initial Investment-
MONTHLY OWNERSHIP COSTS

Calculating
Mortgage Payment (P&I)
Property Tax
Property Insurance
Total Monthly Costs

Calculating
Monthly Cash Flow
CASH FLOW YEAR

Calculating
INCOME
Gross Potential Income
Vacancy Loss
Effective Rental Income
OPERATING EXPENSES
Property Tax
Property Insurance
HOA
Property Management
Leasing Commissions
Property Maintenance
Utility Expenses
Other Expenses
Total Expenses
Net Operating Income
NON OPERATING EXPENSES
Annual Debt Service
Capital Expenditures
Total Non Operating Expenses
Total Cash Flow
FINANCIAL OVERVIEW

Calculating
 
Property Value

The property value displayed in this table shows the expected appreciation you will realize over the next 30 years.

The Annual Property Appreciation % specified on the model tab is the amount that the estimated property value grows by each year.

Rental Rate

The rental rate displayed in this table shows the expected future rental rates you will achieve over the next 30 years.

The Annual Rental Growth Rate specified on the model tab is the amount that the estimated rental rate grows by each year.

Monthly Cash Flow

Monthly cash flow is the average amount expected to receive each month after operating expenses and debt service are paid.

Gross Wealth Accumulation

Gross Wealth Accumulation is the amount you would expect to receive at the end of each year, including cumulative cash flow, and the gross proceeds at the sale of the home.

In some cases, the costs to sell the home, as well as the expenses related to vacancy and leasing commissions, will cause your total return to be less than the total investment in the first few years.

Net Gain on Investment

Net Gain on Investment is the total profit (or loss) you see after accounting for every dollar spent—like the purchase price, repairs, and other costs—and every dollar earned from rental income or a future sale. Essentially, it answers, "How much did I actually make from this property when all’s said and done?"

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Financial APOD table
Financial Overview table
FINANCIAL INDICATORS

Calculating
 
Cap Rate

Capitalization Rate, or Cap Rate for short, is the rate which your capital is returned after the first year.

Your Cap Rate gauge reflects a goal of . You can adjust your Cap Rate goal in Settings - Blue Chip Criteria.

The formula for cap rate is:

Net Operating Income/Total Cost
= Cap Rate %

Using the value from the analysis on this page, the Cap rate is calculated as follows:

/
=

When used in conjunction with NOI, cap rate can also be used to determine a property's value. The formula to determine property value based on a known cap rate is as follows:

NOI / Cap Rate
= Property Value

Using the NOI of the property on this page, and an cap rate, the market value is calculated as follows:

/
=

Continue to learn more!:
Rescover Investment Term Library

CoC

Cash on Cash (CoC) Return is the amount of cash flow you receive in one year compared to the amount of cash invested.

Your Cash on Cash gauge reflects a goal of . You can adjust your CoC goal in Settings - Blue Chip Criteria.

The formula for Cash on Cash Return is:

Annual Cash Flow/Total Investment
= CoC %

Using the value from the analysis on this page, the CoC Return is calculated as follows:

-/-
= -

Continue to learn more!:
Rescover Investment Term Library

IRR

Internal Rate of Return (IRR) measures how much, on average, you earn annually from a property—factoring in both the amount of money you invest and when you get money back (like rental income or sale proceeds).

Your IRR gauge reflects an IRR goal of . You can adjust your IRR goal in Settings - Blue Chip Criteria.

While cap rate and cash on cash measure the value and performance of a property annually, IRR takes into consideration appreciation, amortization, and the time value of money.

Because earlier cash flow is "worth more" in IRR terms, a faster exit can increase IRR even if you end up with less total profit. That's why it's helpful to look at both IRR and total wealth accumulation when deciding how long to hold the property.

The formula for IRR is quite complex. It is not something you would ordinarily calculator without a financial calculator or spreadsheet.

To setup an IRR calculation, you need to know your initial investment, the cash flows received each year during the investment, and the sales proceeds at disposition. This information is placed in a t-bar chart, in the format below:

PeriodCash Flow+Sales Proceeds
0(Initial Investment)
1CF 1
CF x
7CF 7+Sales Proceeds

A t-bar chart populated with the values from the property analysis on this page looks as follows:

EoYCash FlowsSale Proceeds

IRR = 0.0%

Adjust the hold period below to see how it affects the IRR

Continue to learn more!:
Rescover Investment Term Library

RoE

Return on Equity (RoE) measures how effectively the property’s equity—what you actually own after subtracting any loans—is working to generate profit. In simpler terms, it’s how much money you earn (net profit) each year for every dollar of your own equity in the property. As you pay down the mortgage and the property potentially appreciates, your equity grows, and tracking RoE can help you decide whether to keep, refinance, or sell.

LTV

Loan to Value (LTV) compares how much you owe on the property (your loan balance) to its market value. For example, if you borrow $80,000 on a $100,000 home, your LTV is 80%. As you pay down your mortgage (amortization) and the property’s value changes, your LTV adjusts each year—giving you insight into how quickly you’re building equity or reaching a target LTV for refinancing.

Debt Coverage Ratio

Debt Coverage Ratio (DCR) shows how easily the property’s income can cover its mortgage each month. It’s calculated by taking the property’s net operating income and comparing it to the total debt payments. A DCR above 1.0 indicates you’re earning enough to pay the loan, while a higher ratio (e.g., 1.2) means you have a cushion for unexpected costs. Lenders often look at DCR to decide whether the property is a safe investment.

OPEX Ratio

Operating Expense Ratio (OPEX ratio) shows what fraction of your rental income is spent on property-related costs—like maintenance, utilities, insurance, and property taxes. It’s calculated by dividing your total operating expenses by the property’s income. A lower OPEX ratio typically means you’re keeping expenses under control and retaining more profit.

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Financial APOD table
Financial Overview table
ANNUAL PROPERTY OPERATING DATA (APOD) NORMALIZED

Calculating
 
INCOME 
Potential Rental Income
Less: Vacancy Loss
Effective Income
OPERATING EXPENSES  
Property Tax
Property Insurance
HOA
Property Management
Property Maintenance
Utility Expenses
Other Expenses
Total Expenses
Net Operating Income
NON OPERATING EXPENSES  
Annual Debt Service
Capital Expenditures
Total Non Operating Expenses
Total Cash Flow
Financial APOD table

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INVESTMENT BASIS

Calculating
 
Capital Invested (Beginning of Year)
Refi Cash In/Out
Capital In/Out
Capital Invested (End of Year)
VALUE & EQUITY

Calculating
 
Property Value
Loan Balance
Cost of Sale
Net Equity
INVESTMENT TRAJECTORY

Calculating
 
Net Equity
Cummulative Cash Flow
Gross Wealth Accumulation
Net Investment
Net Gain on Investment
RENTAL SCENARIO - INVESTMENT BASIS
Current Value
Less: Loan Balance
Less: Cost of Sale
Current Equity
Plus: Rehab Expense
Plus: Working Capital
Investment Basis
SELL AND REINVEST - INVESTMENT BASIS
Current Equity-
Less: Repair Allowance$0
Investment Basis-
SUGGESTION FOR MAXIMUM WEALTH ACCUMULATION
Max Return:
Rental Method


Initial Investment
Year
Hold Period
(NaN)

Net Gain
INVESTMENT ALTERNATIVE SELECTION
Historical Information
Comparative Investments 10-Year 30-Year Expected Average Annual Return
-YEAR ESTIMATED WEALTH ACCUMULATION
Rental Scenario

N/A

N/A

N/A
INVESTMENT OPTIONS COMPARISON TABLE
Investment OptionInvestment BasisAnnualized ReturnWealth AccumulationNet GainNotes
Rental Investment-Includes cash flow, appreciation, amortization.
N/AN/A
N/AN/A
N/AN/A
 

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