Financial Disclaimer

PropCalc's cash-on-cash return, rental property ROI, rent-vs-buy, mortgage amortization, fix-and-flip profit, home affordability, cap rate, 70% rule, DSCR, and BRRRR calculators exist to help you understand and sanity-check real estate math faster than doing it by hand. This page explains exactly what that does — and does not — mean for any decision you make using them.

Educational Tool, Not Professional Advice

PropCalc is an educational tool. It is not financial advice, tax advice, legal advice, investment advice, or a recommendation to buy, sell, finance, refinance, or otherwise transact in any property or loan. Nothing a calculator outputs should be treated as a substitute for advice from a licensed financial advisor, accountant, attorney, mortgage professional, or real estate professional who can review your specific, complete situation — something no calculator can do.

Results Are Estimates Under Idealized Assumptions

Every number a PropCalc calculator produces is computed strictly from the values you type in, run through a standard, published formula (an amortization schedule, a cap-rate calculation, a debt-to-income ratio, and so on). Real-world outcomes depend on many things a simple calculator cannot know or model precisely: local property tax rates and reassessment schedules, insurance costs specific to a property and its location, actual vacancy and turnover in a specific submarket, the exact rate and terms a specific lender will offer you, closing costs that vary by state and transaction, maintenance and capital-expenditure costs specific to a property's age and condition, rent growth and appreciation that vary widely by market and over time, and the tax treatment that applies to your specific situation and jurisdiction. Because assumptions like appreciation rate, vacancy rate, cap rate, expense ratios, tax regime, and loan terms vary by market and by property, the same inputs can produce a materially different real-world result in one city, loan program, or tax year than in another. Treat every output as an estimate built from the assumptions you supplied — a starting point for further research, not a forecast.

No Guarantee of Any Financial Outcome

PropCalc makes no guarantee of any financial outcome, return, or profit. A positive cash-on-cash return, a favorable rent-vs-buy break-even year, or a healthy cap rate calculated by a tool on this site is not a promise that a real transaction based on those numbers will perform the same way. Real estate markets can and do decline; a specific property can underperform even conservative assumptions; interest rates, insurance costs, and taxes can rise after you commit to a deal; and unexpected repairs or vacancies can erase a margin that looked comfortable on paper. Any investment or purchase decision carries risk, including the risk of financial loss, regardless of what a calculator on this site showed you beforehand.

Limitation of Liability

To the fullest extent permitted by law, the site operator is not liable for any decision made, or loss incurred, in reliance on a calculator's output or any content on this site — including any indirect, incidental, consequential, or special damages, or any loss of profit or investment value. This limitation does not apply to, and nothing here limits or excludes, liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, gross negligence or willful misconduct, or any other liability that cannot lawfully be limited under the law that applies to you. See our Terms of Service for the complete limitation-of-liability language, which applies equally to this disclaimer.

Consult a Qualified Professional

Before making any decision involving real money — buying, selling, financing, or refinancing a property, or committing capital to a real estate investment — run the numbers here as a starting point, then talk to a qualified, licensed professional (a financial advisor, accountant, attorney, mortgage broker, or real estate agent as appropriate) who can evaluate your complete, specific circumstances, which a general-purpose calculator cannot.

Contact

Questions about this disclaimer, or about a specific calculator's math, can be sent to the email address published on our Contact page, or via our Contact page.