Income-Producing Properties
⭐ Star
Star Performer. CoC return above 10%, positive monthly cash flow, and DSCR above 1.3.
✓ Solid
Solid. Positive cash flow and DSCR above 1.1.
⚠ Watch
Watch. DSCR below 1.1, OR one recent negative-cashflow month, OR expense ratio above 55%.
⛔ Bleeding
Bleeding. Three or more consecutive months of negative cash flow, OR DSCR below 1.0, OR CoC return worse than −5%.
○ New
Insufficient Data. Fewer than three months of logged income and no projected baseline yet. Log monthly numbers or fill in the income/expense baseline to start scoring.
Primary Homes (owner-occupied)
🟢 Strong Eq
Strong Equity. Equity has grown since you bought (or refinanced), and the property has appreciated.
◐ Flat Eq
Flat Equity. Roughly break-even on value — small or zero appreciation since the anchor date.
⛔ Underwater
Underwater. Current equity is negative, OR the property has lost more than 5% of its value since acquisition.
Glossary
CoC Cash-on-Cash return — annual cash flow ÷ total cash invested. Tells you the yield on the actual dollars you put in.
DSCR Debt Service Coverage Ratio — (gross income − operating expenses) ÷ annual mortgage. Above 1.0 means the property pays its mortgage; above 1.25 is the lender comfort zone.
TTM Trailing Twelve Months — the rolling sum across the last 12 logged entries.
Mo CF Monthly net cash flow — gross income minus operating expenses minus mortgage. Negative means you fund it from your own pocket.
PITI Principal & Interest plus Tax & Insurance — the full monthly mortgage payment if your taxes and insurance are escrowed.
LTV Loan-To-Value — current loan balance ÷ current property value. Lower is safer; 75-80% is the typical refinance ceiling.
ARV After-Repair Value — what a property is worth after a rehab. Drives the BRRRR refi.
Expense Ratio Operating expenses ÷ gross income. Above ~55% means costs are eating into the margin and worth auditing.
Occupancy Percent of the year the property is rented. For STR: nights booked ÷ nights available. For LTR: months collecting rent ÷ months owned.
Anchor date The point your equity and cumulative cash flow are measured from. Loan properties: last refinance / lending date. Cash properties: the purchase date.
Projected vs. Actual Until you log three or more months of real income, the dashboard projects from the baseline numbers you entered in the form. Once you log actuals, those override the projection. A * next to "Mo CF" means the figure is still projected.