+R6 Months of Reserves
+R6 Rate of Return
Standard Expense Metrics

6-Month Reserves

Six months of operating reserves: enough to cover expenses, debt service, and PMI for half a year.

Example Result

Sample Data
$18,368

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

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6-Month Reserves Formula

One Month of Reserves x 6
One Month of Reserves x 6
$18,368

What This Means

A sample property priced at $385,000 with $2,850/month rent has a 6-month reserves of $18,368. Lenders and experienced investors typically require 3-6 months of reserves before acquiring a property. This is real cash you must have available, which is why it is included in Total Cash Invested.

Where This Value Comes From

6-Month Reserves is not entered directly — it is calculated from One Month of Reserves. See the formula breakdown above and the detailed inputs below.

Calculated From

6-Month Reserves is calculated using these inputs:

One Month of Reserves
Monthly amount needed for one month of operating expenses, debt service, and PMI.
$3,061

Used to Calculate

6-Month Reserves is used as an input for these calculations:

+R6 Reserves + Total Invested
Expense Metrics
$88,734
Total Cash Invested
Deal Analysis
$111,163

Platform Distribution

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Why It Matters

Lenders and experienced investors typically require 3-6 months of reserves before acquiring a property. This is real cash you must have available, which is why it is included in Total Cash Invested.

Detailed Explanation

6-Month Reserves is six times your One Month of Reserves. It represents the cash cushion you should have set aside to cover operating expenses, debt service, and PMI for six months if the property is vacant or income is disrupted.

Related Calculations

Operating Expense Ratio

2

Operating expenses as a percentage of effective gross income.

37.38% Example

Total Monthly Expenses

U

All monthly costs including operating expenses and mortgage payment.

$3,061 Example

Total Annual Expenses

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All annual costs including operating expenses and debt service.

$36,736 Example

Per Unit Operating Cost

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Annual operating expenses divided by number of units.

$12,146 Example

Operating Cost Per Square Foot

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Annual operating expenses divided by total square footage.

$8.10 Example

Total Expense Per Unit Per Year

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Total annual expenses (including debt service) per unit.

$36,736 Example

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