Multi-Family vs. Single-Family Investment Analyzer
Investment Comparison Results
Year-by-Year Projections (Nominal $)
CRITICAL NOTES & DISCLAIMERS:
- ILLUSTRATIVE ESTIMATES ONLY: This calculator provides simplified financial projections. Actual market conditions, returns, expenses, and tax implications can vary significantly.
- AVERAGE RATES ASSUMED: All growth rates (inflation, appreciation, rent) are constant annual averages. Real-world performance is volatile. Sequence of returns risk is not modeled.
- TAXES HIGHLY SIMPLIFIED/OMITTED: This tool does not calculate detailed income tax on rental profits or capital gains tax upon sale. These can significantly impact net returns. Any tax benefit calculation is extremely basic.
- SIMPLIFIED EXPENSES: Does not account for all potential capital expenditures (e.g., roof replacement) beyond regular maintenance unless factored into your inputs. Vacancy is an average.
- NOT FINANCIAL ADVICE: This tool is for informational and educational purposes only. It does NOT constitute investment, financial, legal, or tax advice. You MUST consult with qualified professionals before making any investment decisions.
Est. Net Financial Position Change (Nominal): ${formatCurrency(mfResults.netFinancialPositionChange)}
Est. Net Financial Position Change (Real): ${formatCurrency(mfResults.netFinancialPositionChangeReal)}
`; renderYearByYearTable(mfResults.yearByYearData, mfYearByYearTableContainerEl, "Multi-Family"); } else { mfResultsEl.innerHTML = "Multi-Family Property
Not analyzed (no purchase price entered).
"; mfYearByYearTableContainerEl.innerHTML = ""; } yearByYearTitleEl.style.display = (sfResults || mfResults) ? 'block' : 'none'; let conclusionHTML = ""; if (sfResults && mfResults) { if (sfResults.netFinancialPositionChangeReal > mfResults.netFinancialPositionChangeReal) { conclusionHTML = `Based on these assumptions, the Single-Family property appears to result in a better estimated real net financial position by approximately ${formatCurrency(sfResults.netFinancialPositionChangeReal - mfResults.netFinancialPositionChangeReal)} after ${general.analysisPeriod} years.`; } else if (mfResults.netFinancialPositionChangeReal > sfResults.netFinancialPositionChangeReal) { conclusionHTML = `Based on these assumptions, the Multi-Family property appears to result in a better estimated real net financial position by approximately ${formatCurrency(mfResults.netFinancialPositionChangeReal - sfResults.netFinancialPositionChangeReal)} after ${general.analysisPeriod} years.`; } else { conclusionHTML = `Based on these assumptions, both scenarios result in a similar estimated real financial position after ${general.analysisPeriod} years.`; } } else if (sfResults) { conclusionHTML = `Only Single-Family property analyzed. Estimated real net financial position change: ${formatCurrency(sfResults.netFinancialPositionChangeReal)}.`; } else if (mfResults) { conclusionHTML = `Only Multi-Family property analyzed. Estimated real net financial position change: ${formatCurrency(mfResults.netFinancialPositionChangeReal)}.`; } else { conclusionHTML = "Please enter details for at least one property type to see a conclusion."; } overallConclusionEl.innerHTML = conclusionHTML; notesContainerEl.style.display = 'block'; downloadPdfBtn.style.display = 'block'; } function renderYearByYearTable(data, container, title) { if (!data || data.length === 0) { container.innerHTML = `${title} - Year-by-Year Data
No data to display.
`; container.style.display = 'block'; return; } let tableHTML = `${title} - Year-by-Year Projections (Nominal $)
| Year | Prop. Value | Eff. Gross Inc. | Op. Expenses | NOI | Debt Service | Cash Flow BT | Loan Bal. | Equity |
|---|---|---|---|---|---|---|---|---|
| ${yearData.year} | ${formatCurrency(yearData.currentPropertyValue)} | ${formatCurrency(yearData.effectiveGrossIncome)} | ${formatCurrency(yearData.totalOperatingExpenses)} | ${formatCurrency(yearData.noi)} | ${formatCurrency(yearData.debtServiceYear)} | ${formatCurrency(yearData.cashFlowBeforeTaxNominal)} | ${formatCurrency(yearData.loanBalanceEndOfYear)} | ${formatCurrency(yearData.equityNominal)} |