+R12 Return in Dollars
HOA Fees
Two-Input Ratio Expense Metrics Risk Assessment Operating Expenses

+R6 Reserves + Total Invested

Total capital deployed including both the property investment and 6-month reserves.

Example Result

Sample Data
$88,734

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

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+R6 Reserves + Total Invested Formula

+R6 Return in Dollars + Total Cash Invested
+R6 Return in Dollars —
+ Total Cash Invested $111,163
= +R6 Reserves + Total Invested $88,734

What This Means

A sample property priced at $385,000 with $2,850/month rent has a +r6 reserves + total invested of $88,734. Many investors calculate returns based only on the property investment, ignoring the cash tied up in reserves. This metric ensures you account for ALL capital deployed when evaluating returns. A deal that looks great on paper might be less attractive when you factor in the reserve requirement.

Where This Value Comes From

+R6 Reserves + Total Invested is not entered directly — it is calculated from 6-Month Reserves and Total Cash Invested. See the formula breakdown above and the detailed inputs below.

Calculated From

+R6 Reserves + Total Invested is calculated using these inputs:

6-Month Reserves
Six months of operating reserves: enough to cover expenses, debt service, and PMI for half a year.
$18,368
Total Cash Invested
Total cash committed to the property: closing costs, rent-ready, reserves, and negative cash flow.
$111,163

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Why It Matters

Many investors calculate returns based only on the property investment, ignoring the cash tied up in reserves. This metric ensures you account for ALL capital deployed when evaluating returns. A deal that looks great on paper might be less attractive when you factor in the reserve requirement.

Detailed Explanation

+R6 Reserves + Total Invested adds the annual return from your 6-month reserve fund to your total cash invested in the property. This gives you the complete picture of capital required to properly invest in a rental property with adequate reserves.

Example

Sample Result
$96,369

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

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