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Multiple Property Comparision and Pricing Simulator Use this sheet to compare the income and debt service of multiple properties side by side. You may also use this sheet to simulate various pricing options on the same property i.e. calculate monthly payments for 15, 20 and 30 year amortizations etc.
Property & Loan Details	Property A	Property B	Property C
First Mortgage ($)
Interest Rate	%	%	%
Amortization
2nd Mortgage (Optional) ($)
Interest Rate	%	%	%
Amortization
Monthly Mtg Payments due: ($)
Gross Income (all sources) ($)
Vacancy/Collection Losses (%)
Operating Exp (Utilities etc)
Purchase Price/Market Value ($)

Debt Service, Operating Ratios & Capitalization Rate
Effective Gross Income (EGI)
Net Operating Income (NOI) ($)
Annual Mortgage Payments due
Debt Service Ratio (DSCR)*
Operating Expense Ratio
Net Income Ratio
Breakeven Ratio
Cap Rate (Capitalization Rate)*
*Please note that your actual DSCR ratio may vary for a variety of reasons. Some underwriters for example will not allow non-contract rent such as month to month to be counted as property income whereas other do. Similarly, properties in areas with high vacancies will have vacancy percentages adjusted up and therefore DSCR lowered.

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