Chatto Deal Analyzer

The Property

After Repair Value What it's worth fully fixed up

Square Footage Used for the renovation ballpark below

Units

What You're Into It For

Asking Price What they want — leave blank for off-market

Renovation Budget Add 20% to any contractor quote

A starting point only. Your contractor sets the real number.

Closing Costs

Or type any percentage of the price.

Rent

Annual Expenses

Property Taxes Check county records

Insurance Roughly $1,000–$1,500 for a single family

Water & Sewer Only if you pay it — about $1,200/yr

Lawn & Snow Removal Usually multifamily — about $1,200/yr

Property Management 10% is typical — 0% if you self-manage

Maintenance Reserve Per unit, per month — Chatto's time-tested $100

Adjust assumptions

Equity target Be into it for no more than this share of ARV

Stress-test rate Interest-only. Leave this at 10%

Return goal What you're aiming at, not a cutoff

Cash flow target Per month — where you open negotiations

After the refinance

Refinance rate Principal & interest, not interest-only

Amortization Years

Renovation — dollars per square foot

Light / Turnkey

Moderate

Heavy

Down to the studs

Vacancy is left out on purpose. The 10% stress rate absorbs it — once you refinance, the interest you save covers vacancy and the other small stuff without overthinking every line.

Renovation costs vary more by who runs the job than by geography. These are nationwide starting points, not estimates. Two investors can do the same scope on the same house and land wildly apart.

Your Offer

Leave this blank to see the deal at the asking price, or type any number to test it.

Where This Deal Stands

	Asking	Your Offer	Maxthe wall
Purchase price	—	—	—
All-in borrowed	—	—	—
Equity position	—	—	—
Equity created	—	—	—
Before refinancing — 10% interest-only, self-managed
Cash flow /mo	—	—	—
Rate of return	—	—	—
After refinancing — 7% over 30 yr, with management
Cash flow /mo	—	—	—
Principal built /mo	—	—	—

Gross annual rent—
Operating expenses—
Net operating income—
— before management (stress test uses this)—

Enter a deal to see where it stands.