Real Estate Math

The formula for rental cash flow, walked through line by line with a worked example, and why the number changes once you live in one of the units.

BiggerPockets Pro runs about $400 a year. My calculators do BRRRR, rehab, flips and house hacking free, with no account, no run limits and no upsell.

What cash-on-cash return measures, how to calculate it in a single step, and why it beats gut feel when you are comparing two rental deals side by side.

Why national home prices rarely crash the way people expect, what actually happened in 2008, and what it means if you are waiting for a dip before buying.

How construction labor shortages tied to immigration policy raise the cost of new homes, and what that means for first-time buyers weighing new versus resale.

The single most useful thing you can understand about mortgage rates: what actually sets them, and why the Fed headlines you read are usually a distraction.

How wars and global shocks reach your mortgage rate through the bond market, why the move is often the opposite of what people expect, and what to watch.

Depreciation lets you deduct money you did not spend this year. An accountant explains how it works on a rental, without the jargon and with an example.

House hacking pays you three ways and only one shows up in your bank account. My duplex produces about $39,000 a year, worked out line by line.

Forget cash flow for a moment. Effective housing cost is what you actually pay to live somewhere after tenant rent, and it is the number that changed mine.