URBATECHTURE · HOUSTON, TX
Investment Return Calculator
Edit any input · All figures update instantly · Rate/Term & Cash-Out comparison
SUMMARY
PHASE 1–2 · LAND
PHASE 4 · REFI
PHASE 5 · RENTAL
PHASE 6 · EXIT
EXIT SCENARIOS · RATE/TERM ★
EXIT SCENARIOS · CASH-OUT
KEY ASSUMPTIONS — USE THE TABS ABOVE TO EDIT ANY VALUE
All calculations update in real time as you change inputs. Navigate each tab to customize the model for your specific deal.
EDIT · LAND & CONSTRUCTION INPUTS
LAND VALUE
$
CONSTRUCTION LOAN
$
Bank finances the construction
ORIGINATION FEES
$
CONSTRUCTION RATE (ANNUAL)
%/yr
Interest-only during construction
CONSTRUCTION TERM
months
PROPERTY TAX (CONSTRUCTION PERIOD)
$
OPTION A · CONSTRUCTION LOAN (RECOMMENDED)
OPTION B · CASH PAYMENT
EQUITY CAPITAL BREAKDOWN
EDIT · REFINANCING INPUTS
MARKET VALUE (APPRAISAL)
$
MORTGAGE RATE (ANNUAL)
%/yr
CLOSING COSTS
%
Financed in the loan — not in equity
CASH-OUT LTV
%
RATE/TERM ★
CASH-OUT
SIDE-BY-SIDE COMPARISON
EDIT · RENTAL OPERATIONS
MONTHLY RENT
$
Estimated market rent
INSURANCE (MONTHLY)
$
PROPERTY TAX (MONTHLY)
$
PROPERTY MANAGEMENT
% of rent
HOA (MONTHLY)
$
UTILITIES (MONTHLY)
$
Investor covers until first tenant
RATE/TERM · MONTHLY CASH FLOW
CASH-OUT · MONTHLY CASH FLOW
RESERVE & EQUITY
CASH-OUT CUMULATIVE DEFICIT
EDIT · EXIT ASSUMPTIONS
ANNUAL APPRECIATION
%
Compounded annually
SALE COMMISSION
%
CLOSING COSTS AT SALE
%
Gross Profit includes:
Sale price + Accumulated rent
− Operating expenses
− Mortgage interest paid
− Commission & closing costs
− Remaining debt balance
− Net equity invested
RATE/TERM ★
CASH-OUT
RATE/TERM · FULL EXIT DETAIL
UrbatechturE® · Residential Investment Analysis · 2026 · For informational purposes only
urbatechture.com