Real Estate Investment Calculator + Lender Bridge
Calculate your returns, then connect to lenders who specialize in investment properties.
Calculate depreciation, tax credits, appreciation, and total returns for any property type. Then connect to our network of investment-focused lenders.
💡 WHY:
Real estate shouldn't require a finance degree when smart tools can show you exactly what each property will earn you.
🔧 HOW:
Calculate precise returns including tax benefits and appreciation, then bridge you to investment property lenders who understand real estate deals.
💰 WHAT:
Multi-property investment analysis with depreciation, cash flow, and financing options from specialized real estate lenders.
🚀 WOW:
Build wealth through real estate with tools that make complex investments simple and lenders who actually understand property financing.
Property Details
Configure your investment parameters
Buying, refinancing, or paying cash
Pick all that apply (mix and match)
Traditional Bank Loan
Money you pay for the property
Cash you put in upfront
Appraised value today
Value after construction/development
What kind of building it is
Property Cash Flow
Toggle if the building will produce rent right away
Suggested
Suggested
Tip: Based on property type and transaction, typical stabilized occupancy is 90-95% for office/retail, 92-97% for multifamily.
Select all applicable industry classifications
Select all intended uses for the financing
Property Analysis Focus
Emphasizes income stability and debt coverage for office properties
Investment Analysis
Commercial Office
Analysis Focus for Commercial Office
Emphasizes income stability and debt coverage for office properties
Loan-to-Value (LTV)Meets Target
80.0%
Loan-to-Cost (LTC)
76.2%
Cap Rate
4.19%
Improve Cap Rate: negotiate lower purchase price or increase NOI (rents/other income, lower expenses).
Debt Service Coverage RatioBelow Target
0.62
Improve DSCR: raise NOI (rents/occupancy), reduce expenses, lower rate or extend term, add down payment.
Total ROI (5 years)
38.4%
Net Operating Income
$41,880
Total Assets Value (5 yr)
$1,076,801
Total Equity Value (5 yr)
$276,112
Tax Benefits
Annual Depreciation$25,641
Tax Savings (Annual)$8,750
Underwriting Alerts
DSCR below acceptable underwriting standards (1.25 minimum)
Cash-on-Cash return below investor targets (8-12% typical)
These alerts indicate potential underwriting concerns. Consult with a lender for detailed qualification requirements.
Property Appreciation
Current Value$1,050,000
Future Value (5 years)$1,159,274
Appreciation Gain$159,274
Market Risk Analysis
Investment Scenarios
pessimistic Case
Below-average market conditions
-10.1% ROI
26.9% Total Return
base Case
Expected market conditions
-12.6% ROI
38.4% Total Return
optimistic Case
Above-average market conditions
-15.1% ROI
49.9% Total Return
Market Risk RatingMedium
Recommendation: Consider improving cash-on-cash returns before investment
Institutional Underwriting
Credit RatingD
Underwriting Score32/100
Estimated Interest Rate8.50%
Recommended LTV75%
Processing Time25-30 business days
Assessment: Based on DSCR of 0.62 and LTV of 80.0%
EVA Financing Advantage
Same-Day Decisions
Letters of Intent issued same-day for qualified applications
Opportunity Cost Savings
With 5 year hold: -$6,311 in potential gains from faster closing
Portfolio Scaling
Acquire 4-6 properties in the time traditional processes handle one
Important: These calculations are estimates for planning purposes only. Actual returns depend on market conditions, property management, and other factors. Consult with tax and financial advisors for personalized advice.
Professional Real Estate Analysis
Make informed investment decisions with comprehensive property analysis
Calculator Features
- • Property-specific depreciation schedules (27.5 or 39 years)
- • Tax credit calculations (Historic, Low-Income Housing, etc.)
- • Cost segregation analysis for accelerated depreciation
- • Cash flow projections with vacancy and management costs
- • Appreciation analysis with holding period returns
- • Professional print-ready reports
Supported Property Types
- • Residential rental properties
- • Commercial office and retail
- • Industrial and warehouse
- • Multifamily properties (5+ units)
- • Mixed-use developments
- • Hotel and hospitality
- • Self-storage facilities
- • Mobile home parks
Tax Benefits Calculated
- • Annual depreciation deductions
- • Historic Tax Credit (20%)
- • Low-Income Housing Credit (9%)
- • Renewable Energy Credit (30%)
- • New Markets Tax Credit (39%)
- • Opportunity Zone benefits
- • Cost segregation accelerated depreciation
EVA Financing Advantage
- • AI-powered underwriting with bank partnerships
- • Fund up to 90 days faster than traditional processes
- • Capture time-sensitive opportunities
- • Scale your portfolio 4-6x faster
- • Opportunity cost savings calculated
⚠️
Important Disclaimer: This calculator provides estimates for planning purposes only. Actual investment returns, tax benefits, and financing terms may vary based on market conditions, property management, tax law changes, and individual circumstances. Please consult with qualified financial, tax, and legal advisors before making any investment decisions. EVA Finance calculations are based on current development targets and may change.