Rental Property Analyzer

What This Tool Does

TROV Blueprint is a two-stage residential real estate underwriting tool for 1–4 unit income-producing properties. Stage 1 screens deals at the acquisition level to determine whether the numbers work before committing to full analysis. Stage 2 projects the deal forward through a full hold period of up to 30 years including refinance events, equity flow, and complete return metrics.

Stage 1 — Deal Screener

The screener gives you a fast acquisition-level verdict across three loan types — Conventional, FHA, and DSCR. Key outputs include:

• Net Operating Income and cash flow
• Cap rate and cash-on-cash return
• DSCR and debt yield
• Breakeven occupancy and breakeven rent
• LTV and cash to close
• Deal verdict — Strong Deal, Investigate, or No Deal based on your thresholds
• Sensitivity analysis across Best, Base, Worst, and Stress scenarios

Stage 2 — Underwriting Engine

The underwriting engine takes your screened deal and models the full hold period. Key outputs include:

• Full hold-period proforma with individual expense line items each growing at their own rate
• Month-by-month amortization schedule with loan status tracking
• Refinance engine — three-constraint loan sizing cascading through all downstream calculations
• Property value tracking using cap rate on NOI or fixed appreciation rate
• Equity flow separated by loan era with net rollable equity
• Capital recovery with simple and discounted payback milestones
• Exit modeling with sale costs and net proceeds
• Leveraged IRR, IRR from operations only, NPV, equity multiple, discounted equity multiple

Who This Is For

• Self-directed residential real estate investors analyzing 1–4 unit income-producing properties
• House hackers evaluating FHA multifamily opportunities
• Investors currently using custom Excel models who want a structured browser-based alternative
• Anyone sizing a DSCR investor loan and wanting to understand what the lender will actually offer
• Beginners learning to underwrite deals properly using real lender logic

Privacy

All calculations run entirely in your browser. No data is stored, transmitted, or shared. Your deal inputs exist only in your current browser session. No account or login required.