Underwrite the hold
Check rent against expenses, vacancy, reserves, and debt service with the free NOI and DSCR calculator before you commit.
Keep the rental on the house you actually bought.
Buy-and-hold does not need a refinance loop. Model rent, operating expenses, NOI, and DSCR before you close, then keep leases, bills, maintenance, and documents on the same property.
2026-017 · OakridgeRental / buy-and-hold
OverviewBudgetScheduleTasksFiles
Total budget$632,500of $650,000
Costs to date$318,72049% complete
Projected value$980,000On track
Land$95,000Complete
Hard costs$166,450On track
Soft costs$32,180On track
Financing$23,090On track
Close with the same numbers
Carry purchase, rehab if any, and financing assumptions into the live property record instead of starting a second spreadsheet after closing.
Operate
Track income, operating expenses, maintenance, leases, and files on the asset. NOI stays property-level; debt service stays separate.
Decide later
When you sell, refinance, or keep holding, the original analysis, actual costs, and rental history are still attached.
Keep the numbers, work, files, and outcome connected.
Every strategy starts the same way: analyze the deal before you commit. Run one free analysis in your browser - no account, no card.