Rental investing guides
Practical guides to help investors understand rental depreciation, cash flow, debt payoff, net worth growth, and rental wealth planning before running the numbers.
Yes, some lenders offer HELOCs on rental properties. Learn how investment-property HELOCs work, what lenders review, and how to estimate a possible line.
Compare a rental-property HELOC with a cash-out refinance using a worked equity example, decision rules, costs, and cash-flow risks.
Estimate borrowable rental-property equity with LTV and CLTV formulas, a worked portfolio example, and the limits that can reduce an actual approval.
Compare six ways to access rental-property equity, including a HELOC, home equity loan, cash-out refinance, portfolio loan, and sale.
Compare cap rate and cash-on-cash return with formulas and a worked rental example showing how financing changes the return on cash invested.
Learn why rental properties have no universal average cash flow, what benchmarks are useful, and how to compare monthly cash flow with a worked example.
Compare rental property NOI and cash flow with formulas, a side-by-side table, and financing examples showing why mortgage debt service changes cash flow.
Use the residential rental property depreciation formula, 27.5-year MACRS table, and worked example to estimate basis and first-year depreciation.
Use this rental property operating expenses checklist to estimate taxes, insurance, vacancy, repairs, CapEx, management, utilities, and reserves.
Learn how to calculate rental property cash flow, including rent, mortgage payment, taxes, insurance, vacancy, repairs, capex, and management.