Cash Flow Projections
Equity From Appreciation (Year 1-5)
Two-Input Ratio Equity & Wealth Equity & Wealth

Total Equity Current

Current equity position (property value minus loan balance).

Example Result

Sample Data
$77,000

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

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Total Equity Current Formula

Property Value - Loan Balance
Property Value $385,000
- Loan Balance $308,000
= Total Equity Current $77,000

What This Means

A sample property priced at $385,000 with $2,850/month rent has a total equity current of $77,000. Equity is your real wealth in real estate. Tracking equity growth shows how your investment is building net worth through the triple engine of appreciation, loan paydown, and value-add improvements.

Where This Value Comes From

Total Equity Current is not entered directly — it is calculated from Property Value and Loan Amount. See the formula breakdown above and the detailed inputs below.

Calculated From

Total Equity Current is calculated using these inputs:

Property Value
The current estimated market value of the property.
Found on your county assessor
$385,000
Loan Amount
The total amount borrowed to finance the property purchase.
Found on your loan estimate
$308,000

Used to Calculate

Total Equity Current is used as an input for these calculations:

Cash Flow Return on Equity
Return Metrics
-5.51%
Appreciation Return on Equity
Return Metrics
15.00%
Debt Pay Down Return on Equity
Return Metrics
4.06%
Gross Depreciation Return on Equity
Return Metrics
14.55%
Cash Flow from Depreciation™ Return on Equity
Return Metrics
3.49%
Equity as Percent of Value
Valuation Metrics
20.00%
Appreciation to Double Equity
Valuation Metrics
20.00%
True Net Equity™
Equity & Wealth
$70,840
Cost to Cash-Out Refi ($)
Equity & Wealth
$6,160
Cost to Access Equity
Equity & Wealth
$6,160
Leverage Ratio
Equity & Wealth
5.00x
Equity Growth Rate
Equity & Wealth
16.64%

Platform Distribution

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Why It Matters

Equity is your real wealth in real estate. Tracking equity growth shows how your investment is building net worth through the triple engine of appreciation, loan paydown, and value-add improvements.

Detailed Explanation

Total current equity represents your ownership stake — the difference between what the property is worth and what you owe on it. This is the starting point for all equity analysis.

Example

Sample Result
$77,000

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

Related Calculations

Equity From Appreciation (Year 1-5)

V

Cumulative equity gained from property value appreciation over 5 years.

$11,550 Example

Equity From Loan Paydown (Year 1-5)

V

Cumulative equity built from mortgage principal payments over 5 years.

$3,129 Example

Total Wealth Building Year 1

W

Combined cash flow, appreciation, and principal paydown in Year 1.

$10,433 Example

Total Wealth Building Year 5

X

Cumulative wealth created from all sources over 5 years.

$64,456 Example

Net Worth Impact Year 1

W

Total impact on your net worth from this property in Year 1.

$10,433 Example

Leverage Ratio

2

Property value divided by equity — measures leverage amplification.

5.00x Example

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