Operating Expense Ratio
Total Annual Expenses
Standard Expense Metrics Cash Flow Operating Expenses

Total Monthly Expenses

All monthly costs including operating expenses and mortgage payment.

Example Result

Sample Data
$3,061

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

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Total Monthly Expenses Formula

(Total Operating Expenses + Annual Debt Service) / 12
($12,146 + $24,590) / 12
$3,061

What This Means

A sample property priced at $385,000 with $2,850/month rent has a total monthly expenses of $3,061. This is the number you need to cover every month. Knowing total monthly expenses helps you understand the minimum rent required to break even and how much cash reserve you need for months with vacancy or unexpected repairs.

Where This Value Comes From

Total Monthly Expenses is not entered directly — it is calculated from Annual Debt Service and Total Operating Expenses. See the formula breakdown above and the detailed inputs below.

Calculated From

Total Monthly Expenses is calculated using these inputs:

Annual Debt Service
Total annual mortgage payments.
$24,590
Total Operating Expenses
Sum of all property operating costs
$12,146

Platform Distribution

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Why It Matters

This is the number you need to cover every month. Knowing total monthly expenses helps you understand the minimum rent required to break even and how much cash reserve you need for months with vacancy or unexpected repairs.

Detailed Explanation

Total Monthly Expenses combines all operating costs (taxes, insurance, maintenance, management, etc.) with the monthly mortgage payment to show the complete monthly cash outflow required to hold the property.

Example

Sample Result
$2,385

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

Related Calculations

Operating Expense Ratio

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Operating expenses as a percentage of effective gross income.

37.38% 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

Management Cost Annual

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Annual property management cost.

$2,736 Example

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