PlatwrightPortfolio dashboard
Five properties on one page
Most landlords with more than two properties have a file per property, and no file for the portfolio. Each one balances. None of them answers the question you actually have, which is what the whole thing does in a month and which door is carrying the others.
Here is what a portfolio view has to contain, and the arithmetic behind it, worked on five real properties.
The portfolio, in four numbers
Five properties: two duplexes, two singles and a triplex.
- Monthly cash flow — $2,290. $14,300 of rent, less $5,210 of operating expenses, less $6,800 of loan payments. Rent minus what it costs to run minus what the banks take.
- Total equity — $495,000. $1,500,000 of market value against $1,005,000 of debt. Note that this is not what you put in.
- Cash invested — $411,800. What actually left your account across all five: down payments, closing costs and reserves.
- Cash-on-cash — 6.67%. $2,290 × 12 = $27,480 a year against that $411,800. This is the number that compares your portfolio to anything else you could have done with the money.
Two more that only make sense at the portfolio level. Portfolio LTV is 67% — $1,005,000 of debt against $1,500,000 of value — and it is the number a lender looks at before deciding whether there is room for a sixth. And the cap rate at market is 7.27%, which describes the properties without reference to how you financed them.
The column most portfolio sheets do not have
A portfolio total hides the thing that actually keeps people awake: what happens if one of them empties. The loan and the expenses keep running while the rent stops, so the answer is different for every property and it is never proportional to its size.
One vacancy at a time, everything else unchanged, this portfolio goes:
- Cedar Court Triplex — ($2,210). The biggest earner is also the biggest hole. Losing it turns the whole portfolio negative on its own.
- Elm Street Duplex — ($1,010).
- Maple Street Duplex — ($910).
- Birch Lane Single — $840. Positive: the portfolio still keeps money with this one empty.
- Oak Ridge Single — $440. Also positive, and the clue that this property is barely contributing when it is full.
That spread — from minus $2,210 to plus $840 — is the single most useful thing a portfolio view produces, and it is invisible in any file that only shows totals.
Break-even rent calculator — see how far the rent can fall on any of the five. Free.
What it cannot tell you
It ranks the properties by cash flow, and a rank is not a recommendation. The one at the bottom might be the one in the neighborhood that is about to turn, and the one at the top might have a roof due. A portfolio sheet adds up what you typed; it does not know the buildings.
The other worked examples
Each file on this site carries a worked example already loaded, and each one has its arithmetic written out in full:
- How to run a duplex through a spreadsheet — one property, worked from the six numbers you type down to the four that decide.
- Break-even rent calculator — run your own numbers — break-even rent, and the free first-pass filter.
- Where a landlord year actually goes — twelve categories, and what each one took.
- A short-term rental year, measured in nights — occupancy, ADR, RevPAR, and what was kept.
- Five properties on one page — the portfolio view, and the vacancy column.
The file this comes from
These are not illustrations. They are the worked example loaded in the Rental Portfolio Dashboard, recalculated from the file itself: up to ten properties, one row each, with the vacancy column beside every one.
- See the Rental Portfolio Dashboard
- Or start free. The Deal Screener puts five properties side by side on a first-pass filter, before any of them is yours.
This template is a calculation tool, not financial, tax, or legal advice. Results are estimates based on the numbers you enter. Verify with a qualified professional before making any purchase, financing, or tax decision.