Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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What This Means
A sample property priced at $385,000 with $2,850/month rent has a down payment of $77,000 at Purchase (Month 0). Your down payment directly affects leverage, cash-on-cash return, and monthly cash flow. A 20% down payment avoids PMI on conventional loans. Putting less down increases leverage (amplifying both gains and losses), while putting more down provides a larger equity cushion and lower monthly payments.
Where to Find This Value
Here's where you can find the value for Down Payment:
Loan Estimate
Your Loan Estimate shows the exact down payment dollar amount
Purchase Price x Down Payment %
Calculated as your purchase price multiplied by your down payment percentage
Inputs That Determine Down Payment
Calculations That Use Down Payment
Platform Distribution
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Unlock Rental Property CalculatorWhy It Matters
Your down payment directly affects leverage, cash-on-cash return, and monthly cash flow. A 20% down payment avoids PMI on conventional loans. Putting less down increases leverage (amplifying both gains and losses), while putting more down provides a larger equity cushion and lower monthly payments.
Detailed Explanation
The Down Payment is the portion of the purchase price you pay out of pocket at closing. It can be expressed as a percentage of the purchase price (e.g., 20%) or as a fixed dollar amount. A larger down payment reduces your loan amount and monthly mortgage payment, but ties up more cash that could be used for other investments.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
Related Calculations
Years Owned
UTime elapsed since the property was purchased, calculated from the purchase date to today.
Profit If Sold
UNet profit if sold today, based on actual years owned.
Return If Sold
UNet sale profit as a percentage of initial cash invested, based on actual years owned.
Total Cash to Close
UCash needed at the closing table to acquire the property.
Total Cash Invested
UTotal cash committed to the property: closing costs, rent-ready, reserves, and negative cash flow.
All-In Cost Per Unit
UTotal acquisition cost (including closing and rehab) per unit.
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