Monthly CapEx Reserve
Monthly capital expenditure reserve for major replacements.
Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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Monthly CapEx Reserve Formula
User Input (Monthly $)
Where to Find This Value
Here's where you can find the value for Monthly CapEx Reserve:
Reserve Study
A professional reserve study estimates capital expenditure needs over 20-30 years
Industry Benchmarks
Common estimate: $100-$300/month per unit depending on age and condition
Property Age/Condition
Older properties need higher CapEx reserves; factor in roof, HVAC, plumbing age
Used to Calculate
Monthly CapEx Reserve is used as an input for these calculations:
Platform Distribution
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Unlock Rental Property CalculatorWhy It Matters
Skipping CapEx reserves is a common mistake that leads to unexpected cash calls. A roof that lasts 25 years on a property with $200/month CapEx reserve accumulates $60,000 — enough to cover most major replacements. Without reserves, a single replacement can wipe out years of cash flow profit.
Detailed Explanation
Monthly CapEx Reserve is a fixed dollar amount set aside each month for future capital expenditures — major replacements like a roof ($8,000–$15,000), HVAC system ($5,000–$10,000), water heater ($1,000–$2,000), or flooring ($3,000–$8,000). Unlike maintenance (routine repairs), CapEx covers infrequent but expensive items with finite lifespans. A well-funded CapEx reserve prevents cash emergencies when big-ticket items fail.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
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