Real Estate
Real Estate Portfolio Cash Flow Calculator
Aggregate three properties while preserving asset-level value, debt, NOI, debt service, DSCR, leverage, cash flow, and concentration risk.
Three-asset portfolio lens
Aggregate cash flow without hiding weak asset-level debt coverage
Enter value, debt, NOI, and annual debt service for three properties. Portfolio totals are weighted correctly while the bubble view preserves each asset’s leverage and DSCR.Risk relationship
Asset leverage versus debt-service coverage
Bubble area follows property value. The upper-left zone combines lower leverage with stronger debt coverage.Detailed calculation process
Sum dollars first; calculate portfolio ratios from the summed denominators
General symbolic formulas
V = ΣViD = ΣDiNOI = ΣNOIiCF = Σ(NOIi - Si)LTV = D / VDSCR = NOI / ΣSiConcentration = max(Vi) / VPortfolio LTV is total debt divided by total value, not the simple average of property LTVs. Portfolio DSCR likewise uses total NOI over total debt service.
Symbols and units
Worked substitution with current inputs
Asset-level reconciliation
| Property | Value | Debt | LTV | NOI | Debt service | DSCR | Cash flow |
|---|
Use steps
- Use the same valuation date and NOI definition for all properties.
- Enter scheduled annual debt service, not loan balance.
- Inspect each asset as well as the portfolio total.
Practical decisions
Disposition: remove a weak asset by setting its four values near zero and compare coverage.
Acquisition: place a candidate in Property C to test leverage and concentration.
Limitations
The three-asset snapshot omits cross-collateralization, taxes, capital reserves, maturity dates, rate resets, correlation, liquidity, sale costs, and probability-weighted vacancies.
Portfolio cash-flow FAQ
Can strong properties hide a weak one?
Yes. Portfolio DSCR may pass while one bubble remains below a 1.0x coverage line.
Why not average the three LTV percentages?
A simple average incorrectly gives a small property the same weight as a large property.
Is equity equal to cash invested?
No. It is current entered value less current debt and excludes transaction costs and tax basis.