The Chatto Deal Analyzer

Know your numbers before you buy.

Run any rental through Chatto's framework in about two minutes. You'll see the equity you're creating, whether it survives expensive money, and what the deal actually becomes once you refinance.

And the number nobody else gives you: what to offer.

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Built for 1–4 unit buy-and-hold. No spreadsheet required.

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Most calculators tell you yes or no.
Neither one is an offer.

You already know a bad deal when you see one. What you need is the number you walk into the negotiation with — and the number you walk away above. That's what this does.

Example — 3 bed single family, listed at $229,000 ARV $400,000 · rent $2,750/mo · reno $50,000

	Asking	Your Offer	Maxthe wall
Purchase price	$229,000	$179,000	$215,280
All-in borrowed	$285,000	$235,000	$271,280
Equity position	71.3%	58.8%	67.8%
Equity created	$115,000	$165,000	$128,720
Before refinancing — 10% interest-only, self-managed
Cash flow /mo	−$114	$302	$0
Rate of return	9.5%	11.5%	10.0%
After refinancing — 7% over 30 yr, with management
Cash flow /mo	$90	$422	$181
Principal built /mo	$241	$199	$230

Both dials are where you want them. You're in at 58.8% of ARV with $165,000 of equity, and it still throws off $302 a month at 10% money. Refinanced at 7%, it turns into $422 a month plus about $199 of principal you're building every month.

Cash flow is the binding constraint, not equity. Open at $179,280. The line is around $215,280 — the most you can pay and still break even on 10% money if the refinance takes longer than planned.

That's the actual output. Three prices side by side, the wall computed for you, and a plain-English read of the trade you're making.

What makes it different

01 — Open · Break even · Ceiling

It hands you the negotiation

Where to open, where you break even, and the price you never go past. When a seller pushes back, you already know exactly how much room you have.

02 — The trade, not a verdict

It won't call a good deal bad

$175,000 of equity for $14 a month is a trade plenty of investors would take. A red X hides that. This tells you what you're actually trading, and lets you make the call.

03 — Buy at 10%, refinance at 7%

It shows you life after the refi

Stress-test the deal on expensive money, then see what it becomes on a real 30-year loan — cash flow and the equity you build every month. Most calculators stop before the good part.

You make money when you buy.