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HomePilotIQ
AI-Powered Real Estate Investment Analysis
🏆 Free Real Estate Tool

Analyze Rental Properties
Like a Pro

Quickly calculate cash flow, ROI, cap rate, and whether a deal is worth pursuing — in seconds.

5+

Key Metrics Calculated

3

Deal Score Ratings

100%

Free & Private

∞

Deals You Can Save

What You Get

Everything You Need to Evaluate a Deal

No spreadsheets. No guesswork. Just clear numbers that tell you if a property is worth your money.

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Cash Flow Calculator

See exactly how much money hits your pocket each month after all expenses — mortgage, taxes, insurance, maintenance, and more.

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ROI & Cap Rate

Instantly calculate your cash-on-cash return and cap rate so you can compare deals and know if your money is working hard enough.

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Buy / Maybe / Avoid Score

Get a plain-English verdict on every deal. No more second-guessing — our scoring system tells you exactly where a property stands.

Simple Process

Analyze Any Deal in 3 Steps

1

Enter Property Details

Fill in the purchase price, financing terms, rental income, and estimated expenses. Takes about 2 minutes.

2

Get Instant Results

See your monthly cash flow, cap rate, cash-on-cash return, and a visual breakdown of income vs. expenses.

3

Save & Compare

Save your best deals and compare them side-by-side in the dashboard to find your top investment opportunity.

HomePilotIQ

AI-Powered Real Estate Investment Analysis

Enter your property details below to get a full investment analysis

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Property Details

Property Information
Purchase & Financing
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Analysis Results

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Fill in the property details and click
"Analyze This Deal" to see your results.

Deal Score
Monthly Cash Flow
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After all expenses
Annual Cash Flow
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Per year
Cash-on-Cash Return
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Annual return on cash invested
Cap Rate
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Net operating income / price
Monthly Mortgage
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Principal + interest
Total Monthly Expenses
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All costs combined
Total Cash Needed
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Down + closing + repairs
Annual NOI
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Net operating income
Est. Equity Growth (5yr)
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Appreciation gain in 5 years
Est. Principal Paydown
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~8% of loan paid down
5-Yr Projected Wealth Gain
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Equity growth + principal paydown + 5-yr cash flow

📊 Monthly Income vs. Expenses

📈 Property Value Projection

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5 Years
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10 Years
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10-yr Cash Flow (cumulative) —
Est. Equity Growth (5yr) —
10-yr Appreciation Gain —
5-Yr Projected Wealth Gain —
Total 10-yr Return —
Total Return on Cash Invested —

💸 Monthly Expense Breakdown

Mortgage (P&I) —
Property Taxes —
Insurance —
HOA Fees —
Maintenance —
Vacancy Reserve —
Property Management —
Total Monthly Expenses —
📤 Save & Share

Saved Deals

Track and compare your analyzed properties

About This Tool

How the calculations work and what each metric means

🏠 What Is This Tool?

HomePilotIQ is a free tool designed for beginner real estate investors who want to quickly evaluate whether a rental property is worth buying.

Instead of building complex spreadsheets, you enter a few numbers and instantly see your projected cash flow, return on investment, and a plain-English verdict on the deal.

All calculations happen in your browser — no data is sent to any server, and your saved deals stay private on your device.

📐 How the Calculations Work

  • Down Payment Amount Purchase Price × Down Payment %
  • Loan Amount Purchase Price − Down Payment Amount
  • Monthly Mortgage (P&I) Standard amortization formula: M = P × [r(1+r)ⁿ] / [(1+r)ⁿ−1] where r = monthly rate, n = total payments
  • Total Monthly Expenses Mortgage + Taxes/12 + Insurance/12 + HOA + (Rent × Maintenance%) + (Rent × Vacancy%) + (Rent × Management%)
  • Monthly Cash Flow Monthly Rent − Total Monthly Expenses
  • Annual NOI (Net Operating Income) (Rent − Operating Expenses excluding mortgage) × 12
  • Cap Rate Annual NOI ÷ Purchase Price × 100
  • Cash-on-Cash Return Annual Cash Flow ÷ Total Cash Invested × 100
  • Total Cash Invested Down Payment + Closing Costs + Repairs

🎯 Understanding the Deal Score

  • ✅ BUY Monthly cash flow is positive AND cash-on-cash return is 8% or higher. This is a strong deal.
  • 🤔 MAYBE Cash flow is near break-even OR cash-on-cash return is between 4–8%. Could work depending on appreciation potential.
  • 🚫 AVOID Monthly cash flow is negative AND cash-on-cash return is below 4%. The numbers don't work — move on.

📖 Key Terms Explained

  • Cash Flow Money left over each month after paying all property expenses. Positive = you profit. Negative = you lose money monthly.
  • Cap Rate (Capitalization Rate) How much income a property generates relative to its price, ignoring financing. Useful for comparing properties. 5–8% is generally considered good.
  • Cash-on-Cash Return Your annual cash flow divided by the cash you actually invested. This is your real return on investment. Aim for 8%+.
  • NOI (Net Operating Income) Annual income minus operating expenses, before mortgage payments. Used to calculate cap rate.
  • Vacancy Rate The percentage of time your property sits empty. Even great properties have some vacancy between tenants.

⚠️ Important Disclaimer

This tool provides estimates for educational purposes only. Real estate investing involves significant risk. Always verify numbers with licensed professionals including real estate agents, lenders, accountants, and attorneys before making any investment decision.

Past performance does not guarantee future results. Market conditions, interest rates, and local factors can significantly impact actual returns.

✏️ Custom Scenario

Tweak any inputs to model a custom scenario. All other values inherit from the current deal.

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