The numbers that decide whether to hold — in one screen.
Screen cap rate, cash-on-cash, DSCR, and cash flow free. Pro adds Offer Ceiling, sensitivity, and 10-year cash-flow and equity projections using labeled, editable starting data.
Free screen: no card or signup
Built for the hold strategy
Four jobs serious rental investors do over and over — faster, easier to audit, and more consistent.
Triage listings with a consistent first pass
For a supported address and asking price, review editable cap rate, cash-on-cash, and DSCR assumptions. The result is a preliminary screen, not a finding that a property pencils.
See year-1 vs year-10 in one view
The Pro planning view carries editable rent growth, expense growth, appreciation, and financing assumptions through 10 years. It compares scenarios; it does not forecast a winner.
Track cash flow and equity over time
The 10-year planning view carries editable rent and expense growth through the hold while scheduled debt paydown changes equity. It is a scenario, not a forecast.
Stress-test before you offer
The Pro sensitivity grid shows how modeled metrics respond when rent moves ±10%, vacancy moves ±5pp, and rates move ±1pp. It does not determine that a deal pencils or recommend an offer.
How a buy-and-hold investor uses TrueCap
- 1Paste the listing address. HUD area rent and the FRED owner-occupied mortgage-rate benchmark can pre-fill; enter a local property-tax bill or reviewed rate manually.
- 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 planning projection to review cash flow and equity under the entered growth assumptions.
- 5Pro: stress-test in the Sensitivity grid before you write the offer.
- 6Save the deal. The portfolio rollup in My Deals shows your aggregate cash flow across everything you're considering.
Why long-term investors pick TrueCap over a spreadsheet
- Multi-year assumptions stay visible. See rent growth, expense growth, debt paydown, cash flow, and equity in one reproducible planning view.
- Scenario boundaries stay explicit. The projection is not a market forecast, appraisal, sale model, or tax-return calculation.
- 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.
- Traceable screening defaults. HUD rent and FRED rate benchmarks show their sources; property tax stays a manual local input. Replace every first-pass value with property-specific evidence before offering.
Recommended reading for buy-and-hold investors
The handful of guides and calculators long-term investors return to most often: the 60-second underwriting workflow, the deep-dive on cap rate vs cash-on-cash vs DSCR, the breakdown of every deductible expense, and the TrueCap analyzer for quick listing triage — cap rate, cash-on-cash, and DSCR from one address.
Free screens the purchase. Pro solves and stress-tests the offer and hold.
Free gives you cap rate, CoC, DSCR, monthly cash flow, the 0–100 Deal score, and read-only share links for a first-pass screen. Pro adds 10-year cash-flow and equity projections, sensitivity, Offer Ceiling, saved-deal comparison, PDF exports, and co-branded share links.