RentalCalcs · Original decision worksheet

Cash-return and funding worksheet

Name the period and reserve convention, then check the lowest cash buffer as well as the annual yield. Fill locally, then print or save as PDF. Nothing is submitted or automatically saved.

Read the complete worked guide

Worked example

The hypothetical $200,000 rental commits $68,000 and produces about $3,597 after debt and capital allowance in the stabilized budget: 5.3%. Two initial empty months reduce first-year cash to $825 (1.2%); the $4,000 uncommitted buffer reaches a low of $837 before rebuilding.

1. Define the comparison

Reporting period: first year, stabilized forecast or actual trailing 12 monthsDown payment, closing fees/prepaids and acquisition work; evidenceOpening buffer and other committed funds, counted onceDebt obligations and principal-and-interest payment; escrow separated

2. Reconcile annual cash

Collected rent, other income and one vacancy/credit-loss treatmentItemized operating costs and management charged on collectionsCapital allowance versus actual spending; avoid duplicate transfers or billsAnnual cash divided by stated invested cash; dollars needed for target

3. Fund the timeline

Rent-start dates, actual bill dates and cash available at closingMonthly set-asides, owner withdrawals and lowest uncommitted balanceEarly replacement or delay scenario and additional cash neededCalculator reconciliation, unresolved evidence and next decision

Calculation notes

Planning cash yield = annual cash after operating costs, stated capital allowance and full debt payments / $68,000 committed. The two-empty-month schedule replaces the 5% loss allowance with ten collected $2,200 rent months, deducts 10% management only on rent collected, and funds $5,500 fixed annual operating costs, $11,975 debt and $1,500 capital allowance. Prepaid and earmarked money is separate from the uncommitted buffer. No extra bill, income tax, growth, sale or owner withdrawal is modeled.

Reviewed October 15, 2026. Original RentalCalcs educational worksheet. Numbers are hypothetical, not a property estimate, bank forecast or promise of a return. JLL: real-estate definitions.