Front End Ratio

Monthly mortgage payment as a percentage of monthly rent.

Example Result

Sample Data

71.90%

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Front End Ratio Formula

Monthly Mortgage / Monthly Rent x 100

$2,049.13 / $2,850 x 100

71.90%

What This Means

A sample property priced at $385,000 with $2,850/month rent has a front end ratio of 71.90%. A front end ratio below 60-65% typically indicates a property that can cash flow after accounting for expenses. If 80% of rent goes to the mortgage alone, there is very little room for operating expenses and profit.

Where This Value Comes From

Front End Ratio is not entered directly — it is calculated from Monthly Mortgage Payment and Monthly Rent. See the formula breakdown above and the detailed inputs below.

Calculated From

Front End Ratio is calculated using these inputs:

Monthly Mortgage Payment

Monthly principal and interest payment on the mortgage.

$2,049.13

Monthly Rent

The gross monthly rental income collected from tenants.

Found on your lease agreement

$2,850

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Why It Matters

A front end ratio below 60-65% typically indicates a property that can cash flow after accounting for expenses. If 80% of rent goes to the mortgage alone, there is very little room for operating expenses and profit.

Detailed Explanation

The Front End Ratio compares the mortgage payment directly to the monthly rent. It shows what portion of rent goes to the mortgage, with the remainder covering expenses and generating cash flow.