+R6 Months of Reserves
Number of months in the conservative reserve scenario (6 months).
Example Result
Sample DataBased on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
See Your Own Properties
With the Rental Property Calculator™, you can run this calculation against your own rental properties using your real numbers.
+R6 Months of Reserves Formula
6 months (fixed)
Why It Matters
Six months of reserves is the gold standard for rental property investors. It covers the typical time to find a new tenant, handle a major repair, or weather a few months of economic uncertainty without dipping into personal funds or being forced to sell.
Detailed Explanation
The +R6 reserve scenario models a conservative 6-month reserve fund held in a low-yield savings or money market account. Six months of reserves is the most common lender requirement and provides a safety net for vacancies, repairs, and economic downturns.
Example
Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.
Related Calculations
Operating Expense Ratio
2Operating expenses as a percentage of effective gross income.
Total Monthly Expenses
UAll monthly costs including operating expenses and mortgage payment.
Total Annual Expenses
UAll annual costs including operating expenses and debt service.
Per Unit Operating Cost
2Annual operating expenses divided by number of units.
Operating Cost Per Square Foot
2Annual operating expenses divided by total square footage.
Total Expense Per Unit Per Year
UTotal annual expenses (including debt service) per unit.
Run This Calculation on Your Property
Get instant results for all 166 calculations by entering your property details into the Rental Property Calculator.
View Pricing