Free Underwriting Tool

Investment Property Calculator

Quickly screen any deal with state-aware property tax rates, 1% rule validation, cash flow yields, and our deterministic Haven investment score.

All-In-One Acquisition Scorecard

State-aware property taxes, underwriting score, and 1% rule test

$
$
%
TX Jurisdiction Assumptions:
Effective Property Tax:1.80% ($5,760/yr)
Estimated Hazard Insurance:$1,920/yr
Operating Expense Total:$1,238/mo
Haven ScoreRisky
1/ 100
Cap Rate
5.11%
Cash-on-Cash
-5.60%
1% Rule Benchmark: Below (0.81%)

Target: Monthly rent ≥ 1% of purchase price ($3,200/mo)

Net Monthly Cash Flow:-$341/mo
Search Analyzed Listings
Haven Underwriting Methodology

Deterministic Score Engine

Haven scores are computed by pure mathematical algorithms rather than arbitrary AI guesses, ensuring consistent underwriting across all deals.

Read Methodology

Frequently Asked Questions

What is the 1% Rule in real estate investing?

The 1% Rule is a quick screening guideline stating that a rental property's gross monthly rent should be at least 1% of the total purchase price. For example, a $300,000 property should generate at least $3,000/month in rent to pass. While rare in high-cost coastal markets, it is common in the Midwest and Southeast.

Why do property taxes vary so much by state?

Each US state and county funds municipal services differently. States like Texas (1.80%) and New Jersey (2.47%) have high property taxes to offset lower or zero state income tax, while states like Alabama (0.41%) and Hawaii (0.28%) have much lower rates. Haven's calculator automatically applies state-specific tax tables.

What is the Haven Score?

The Haven Score is a deterministic 0–100 composite ranking that evaluates an acquisition across four dimensions: Cap Rate yield, Cash-on-Cash return, Debt Service Coverage (DSCR), and Expense Ratio stability. Scores of 75+ represent Prime acquisitions.

Search 5,000+ Pre-Scored Properties

Find active listings across top US markets with Haven scores above 75, verified cap rates, and live cash flow.

Explore Live Properties