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, 10-year projections, Illustrative Tax Impact, and modeled exits 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 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.
See the modeled tax effect
Illustrative Tax Impact (Pro) applies your entered marginal rate to projected rental income, depreciation, and mortgage interest. It is a planning estimate to review with your CPA, not a tax-return calculation.
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. Area rent, owner-occupied mortgage-rate, and property-tax screening estimates auto-fill from public 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 Illustrative Tax Impact for the model's after-tax estimate.
- 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 depreciation, declining mortgage interest, and rent + expense growth in one reproducible model.
- Exit modeling matters. Compare modeled equity, cash flow, and after-tax proceeds across hold years under the same assumptions.
- 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/FRED/state estimates show where the first-pass inputs came from; replace them 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 standalone cap rate and DSCR calculators for quick listing triage.
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 Screening Index, and read-only share links for a first-pass screen. Pro adds 10-year projections, Illustrative Tax Impact, modeled exits, sensitivity, Offer Ceiling, PDF exports, and co-branded share links.