The numbers that decide whether to hold — in one screen.
Cap rate, cash-on-cash, DSCR, 10-year cash flow, depreciation, exit scenarios. Every metric a long-term rental investor uses — already wired to live HUD rent + FRED rate + state tax data.
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Built for the hold strategy
Four jobs serious rental investors do over and over — faster, more accurate, more defensible.
Triage 20 listings in an hour, not a weekend
Paste address, see cap rate + cash-on-cash + DSCR in 60 seconds. The 1% rule misses half the math; TrueCap surfaces what actually pencils.
See year-1 vs year-10 in one view
10-year projection (Pro) shows how rent growth, expense growth, and appreciation actually compound. The deal that looks marginal in year 1 might be the winner by year 5.
Model the depreciation deduction — properly
Tax Strategy tab (Pro) computes depreciation, interest deduction, and after-tax cash flow with your bracket. Most investors underestimate this by 15-25%.
Stress-test before you offer
Sensitivity grid (Pro) shows what happens to your return when rent moves ±10%, vacancy moves ±5pp, rates move ±1pp. If the deal still pencils across the grid, the offer is defensible.
How a buy-and-hold investor uses TrueCap
- 1Paste the listing address. Rent, mortgage rate, and property tax auto-fill from public data sources.
- 2Adjust the financing (down %, term, rate) to match the offer you're considering.
- 3Hit Calculate — cap rate, CoC, DSCR, monthly cash flow appear in 1 second.
- 4Pro: open the 10-year projection to see how cash flow grows. Open Tax Strategy for after-tax CF.
- 5Pro: stress-test in the Sensitivity grid before you write the offer.
- 6Save the deal. The portfolio rollup on /dashboard/saved-analyses shows your aggregate cash flow across everything you're considering.
Why long-term investors pick TrueCap over a spreadsheet
- Multi-year math is correct out of the box. Depreciation, interest deduction declining over time, rent + expense compounding — most spreadsheets get one of these wrong.
- Exit modeling matters. Year-7 sell vs hold is a 7-figure decision; the engine projects equity, cash-on-cash IRR, and after-tax proceeds at every year.
- Sensitivity is built in. Hard to do thoroughly in a spreadsheet — trivial here.
- Portfolio view. Save 10 deals, see total cash flow + weighted cap rate across the book.
- Defensible. Live HUD/FRED/state data — when the seller pushes back on your rent assumption, you can point at the source.
Free covers the offer. Pro covers the hold.
Free analyzer gives you cap rate, CoC, DSCR, monthly cash flow — enough to underwrite the buy. Pro unlocks the 10-year projection, tax strategy, exit scenarios, sensitivity grid, deal score, max-allowable-offer calculator, PDF exports, and share links. Built for serious buy-and-hold operators.