Real Estate Calculators
After rent, expenses, mortgage, and reserves, am I actually profiting?
A rental property P&L is simple to write down and easy to fool yourself on if you skip the quiet lines: vacancies, maintenance, reserves. This calculator takes monthly rent, operating expenses, your mortgage, and a reserves set-aside, then shows profit or loss for the month and the year, the honest version Tim uses before telling an owner what a building really makes.
Monthly operating picture
Your income covers operating expenses but the mortgage and reserves take it to zero. That is renting for the equity.
The honest read: a breakeven month is the norm for many Lehigh Valley rentals bought in the last few years at current rates. The cash that stays home shows up as principal paydown and appreciation. What Tim checks is the trend: can rents rise 2 to 4 percent a year while the mortgage stays flat? That spread is where the profit eventually comes from, and financing shortens the wait.
Run the numbers with Tim, then talk them through
Estimates are a great starting point. A 20-minute conversation with Tim Tepes turns them into a plan you can act on, with real listings, real comparables, and honest advice.
Estimates are for education and planning only, not a loan approval, appraisal, or tax advice. Actual costs, rates, and values vary by property and lender.