Free spreadsheet with verified DSCR, cash flow and cash-on-cash math. No signup.
Excel, Google Sheets, Numbers or LibreOffice. Nothing to install.
One spreadsheet. Enter a listing's numbers once, read the verdict before you drive to the property.
Rent, price, loan and operating costs in on the left. DSCR, monthly cash flow and cash-on-cash out on the right, recalculated live. The workbook ships with a real $385K Washington deal, including one that honestly fails, so you can see what a bad deal looks like before it costs you earnest money.
Colored against real lender thresholds: green at 1.25+, amber near 1.0, red below. Know which lane your deal lands in.
Return on real cash in: down payment, closing costs and reserves. Not the marketing version.
See monthly payment per quarter-point. Know your maximum offer before rates move again.
Rent-to-price screen at a glance, with the honest note about when that rule no longer works.
Every formula in the workbook is standard underwriting. Here are the three that decide most deals, and the bands lenders actually use.
Can the property pay its own loan from its own rent? Lenders underwrite the property, not you, on most investment loans.
| 1.25x or higher | strong, financeable |
| 1.00x to 1.25x | thin, expect pricing hits |
| below 1.00x | negative cash flow, walk |
What your actual dollars earn per year. A deal can pass DSCR and still bore your money to death.
| 8%+ | worth a second look |
| 4% to 8% | appreciation bet |
| below 0% | you are paying to work |
The standard amortization formula, verified cell by cell. Change the rate a quarter point and watch the DSCR move.
The LITE ships with a real $385K Washington analysis that scores 0.76x. A calculator that only shows winners is a toy. You get to see the walk-away math before your agent schedules the showing.
From listing tab to go/no-go decision without building your own spreadsheet from scratch.
Free from our Gumroad store. Opens in Excel, Sheets, Numbers or LibreOffice.
Rent, price, loan terms, tax and insurance. Everything recalculates live with colored verdicts.
Green: make the offer. Amber: sharpen the offer. Red: next listing, tonight.
Yes. The LITE analyzer is a free spreadsheet download. No signup, no card, no trial that flips to paid.
Any modern spreadsheet app works: Excel, Google Sheets, LibreOffice, Apple Numbers.
Most lenders want 1.20 or higher, and 1.25 is the clean line. Below 1.0 the property loses cash every month. The workbook colors each deal against those bands.
All 61 formulas were machine-audited against standard underwriting math: DSCR, NOI, amortized payment, cash-on-cash and the rest. The audit harness and results ship with the product.
The math is universal. Preloaded tax and insurance context is Washington (Pierce and King County), so if you invest here it is ready on day one.
Vacancy and repair schedules, property management, capex reserves and 5-year exit projections with sale costs. It is in build now; the waitlist below gets first access.
The full analyzer is in build. One email when it lands, plus new free tools as they ship. No noise, unsubscribe anytime.
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