Coming Soon
Real Estate Investing 101
Learn the fundamentals of buying and understanding investment properties.
$39.95
Coming Soon
with Luis A. Perez
Investing Is Simple — Real Estate Investing Doesn't Have to Be Complicated.
Learn how real estate investing and financing actually work from Luis A. Perez — a mortgage and real estate professional with 30+ years of industry experience.
- Cash Flow
- Cap Rate
- DSCR
- Financing Basics
30+
Years of mortgage & real estate experience
Video coming soon
Meet Luis A. Perez
Investment Calculator
Does this investment make sense?
Run the numbers before you make the move. Enter a property's price, financing, income and expenses — the results update as you type.
Sample numbers are shown. Replace them with your own.
Results
Estimated monthly cash flow +$181. Cash-on-cash return 2.90%. Cap rate 6.71%.
Estimated Monthly Cash Flow
+$181
Positive cash flow+$2,176 per year
- Cash-on-Cash
- 2.90%
- Cap Rate
- 6.71%
- DSCR
- 1.12x
- Income covers payment
- Cash Invested
- $75,000
Loan Amount
$225,000
NOI / month
$1,678
Financing & Housing
- Loan Amount
- $225,000
- Principal & Interest
- $1,497
- Property Taxes / mo
- $450
- Insurance / mo
- $300
- HOA / mo
- $0
- Total Monthly Housing Expense
- $2,247
Monthly Income
- Gross Monthly Rental Income
- $2,950
- Other Monthly Income
- $0
- Estimated Vacancy
- −$148
- Effective Monthly Income
- $2,803
Operating Expenses
- Taxes, Insurance & HOA
- $750
- Management Expense
- $224
- Maintenance
- $150
- Other Expenses
- $0
- Total Monthly Operating Expenses
- $1,124
- Annual NOI
- $20,140
Want to go deeper?
Learn to analyze any property, step by step.
This calculator is provided for educational and illustrative purposes only. Results are estimates and should not be considered financial, investment, mortgage, tax, or legal advice. Actual financing terms, expenses, income and investment performance may vary.
Why we exist
Real estate investing. Explained simply.
Real estate investing can feel like it comes with its own language. Talk to a lender, an agent or another investor and you'll hear DSCR, cap rate, cash flow, LTV, NOI, leverage and appreciation — sometimes all in the same sentence.
It's easy to nod along and feel like everyone else already knows something you don't.
Investing Is Simple exists to change that. We take the terms and numbers behind real estate investing and break them down into everyday language — so you can understand what you're looking at, ask better questions and make your own informed decisions.
“No question is a dumb question.”
DSCR
01Debt Service Coverage Ratio
Does the property's income cover the loan payment — and by how much? Many investor loans are built around this number.
Cap Rate
02Capitalization Rate
A property's yearly income after expenses, compared to its price — before any loan.
Cash Flow
03What's left in your pocket each month after every bill — including the mortgage — is paid.
LTV
04Loan-to-Value
How much you're borrowing compared to what the property is worth.
NOI
05Net Operating Income
What the property earns after operating expenses, before the mortgage.
Leverage
06Using borrowed money to buy more than you could with cash alone — which raises both potential returns and risk.
Appreciation
07A property's value going up over time. Possible, never guaranteed.
Look for the ⓘ icons in the calculator — every result comes with a plain-English explanation.
About Luis
Meet Luis A. Perez
30+ Years of Mortgage & Real Estate Experience
Luis A. Perez is a mortgage and real estate professional with more than 30 years of industry experience. He believes real estate investing shouldn't feel intimidating or unnecessarily complicated — and that Investing Is Simple when someone takes the time to explain it properly.
He has worked extensively with
- Homebuyers
- First-time buyers
- Real estate investors
- Experienced investors
- Foreign national investors
- Residential financing
- Investment property financing
- Commercial financing
- Real estate transactions
More About Luis
“The best compliment is a referral.”
Courses
Learn real estate investing one step at a time.
Short, focused courses that explain one topic at a time — in plain English.
$39.95
Per course · Coming soon
Coming Soon
Understanding Cash Flow
Learn how to determine what is actually coming in and going out every month.
$39.95
Coming Soon
Coming Soon
How to Analyze an Investment Property
Learn how to evaluate purchase price, rent, expenses, financing and potential cash flow.
$39.95
Coming Soon
Coming Soon
Understanding DSCR Loans
Learn how DSCR financing works and why real estate investors use it.
$39.95
Coming Soon
The Philosophy
Why Investing Is Simple
Real estate gets simpler when you take it one step at a time. Every lesson, tool and conversation follows the same path.
Step 01
Learn
Understand the terminology and fundamentals.
Step 02
Analyze
Learn how to run the numbers before making decisions.
Step 03
Finance
Understand financing options available to real estate investors.
Step 04
Invest
Use education and professional guidance to make your own informed investment decisions.
Free Resources
Tools to help you run the numbers.
Free calculators, checklists and guides for real estate investors. The Investment Calculator is ready now — more resources are on the way.
Available Now
Free Tool
Investment Calculator
Run cash flow, cap rate, cash-on-cash return and DSCR on any rental property.
Open the calculatorComing Soon
Free Tool
Mortgage Calculator
Estimate a monthly mortgage payment including taxes, insurance and HOA.
Coming Soon
Free Tool
DSCR Calculator
See how a property's income compares to its debt payment.
Coming Soon
Free Checklist
Rental Property Checklist
The questions to ask and items to review before you buy a rental.
Coming Soon
Free Worksheet
Investment Property Analysis Worksheet
A printable worksheet to organize purchase, income and expense numbers.
Coming Soon
Free Guide
Real Estate Investing Glossary
Plain-English definitions of the terms investors and lenders use.
Coming Soon
Free Guide
Beginner's Guide to Investment Property Financing
An introduction to down payments, loan types and how lenders look at rentals.
Take the first step
Ready to start investing?
Whether you're purchasing your first investment property or adding another property to your portfolio, understanding the numbers and financing is where it starts.
Get Started
Start learning with Luis.
Join the list for course launches and free resources — or send a question. Remember, no question is a dumb question.
- Be first to know when courses open
- Get free tools and guides as they're released
- Ask about any real estate investing topic you want explained