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Practical, no-fluff guides from HoldVue for self-managing investors.
Metrics & valuation
- Cash-on-Cash Return
Measuring the yield on the cash you actually put into a deal.
- Loan-to-Value (LTV)
What loan-to-value measures, lender limits, and how it shapes your risk.
- Net Operating Income (NOI)
How to compute NOI honestly and why it drives every other metric.
- Occupancy and Vacancy
How to measure occupancy, what vacancy really costs, and healthy targets.
- Trailing-12 (T12) Analysis
Why the last 12 months of actuals beat any pro-forma, and how to read them.
- Understanding Cap Rates
What cap rates measure, typical ranges, and when they mislead.
- Valuing an Income Property
The three ways to estimate what a rental property is worth and when each applies.
Financing & refinancing
- Construction and Rehab Loans
How draw-based financing works for builds and heavy renovations.
- Debt-Service Coverage Ratio (DSCR)
How lenders judge whether a property's income safely covers its loan payments.
- How Loan Amortization Works
Why early payments are mostly interest and what that means for equity and payoff.
- Interest-Rate Strategy for Landlords
How to make buy, refinance, and hold decisions when rates move.
- Investment-Property Mortgage Basics
How rental-property loans differ from home loans and what shapes your terms.
- Leverage Trade-offs
How borrowing amplifies both returns and losses, and how much is prudent.
- When to Refinance a Rental Loan
When replacing a loan pays off, what it costs, and how to run the break-even.
Leases & tenants
- Lease Escalations
Building rent increases into the lease and sizing them sensibly.
- Lease Fundamentals
The lease clauses that actually get used and how to get them right.
- Lease Renewals
Keeping good tenants at market rent without triggering avoidable turnover.
- Reducing Vacancy
Cutting the days a unit sits empty, before and after a tenant leaves.
- Security Deposits Done Right
Collecting, holding, and returning deposits without legal exposure.
- Setting the Right Rent
Pricing a unit from market data, and what over- and under-pricing each cost.
- Tenant Screening
A consistent, legal process for choosing tenants who pay and stay.
Operating costs & maintenance
- CapEx vs OpEx
Why capital improvements and operating expenses live in different buckets.
- Landlord Insurance Coverage
What a landlord policy covers, what it doesn't, and how to size it.
- Maintenance Budgeting
How much to set aside for upkeep and the common rules of thumb.
- Property Taxes as an Operating Expense
Budgeting for property taxes and challenging an unfair assessment.
- Property-Management Costs
What managers charge, what you get, and when hiring one pays.
- Reserve Funds
How much cash to hold per property so surprises stay expenses, not crises.
- Utilities Allocation
Deciding who pays for water, heat, and power — and the metering choices behind it.
Taxes & entities
- Cost Segregation
Accelerating depreciation by reclassifying building components.
- Depreciation for Rental Owners
The paper expense that shelters rental income, and the recapture bill later.
- Holding Rentals in an LLC
What an LLC actually protects, what it costs, and common structures.
- Passive-Activity Rules
When rental losses can offset your other income — and when they're locked up.
- Tax Record-Keeping for Landlords
The paper trail that maximizes deductions and survives an audit.
- The 1031 Exchange
Deferring capital-gains tax by swapping one investment property for another.
Deal analysis
- Deal Underwriting
Stress-testing a purchase with honest numbers before you sign.
- Exit Strategies
Sell, refinance, or keep holding — deciding with numbers instead of inertia.
- Portfolio Diversification for Small Investors
Spreading risk across properties, tenants, and markets without diluting focus.
- Reading Market Comps
Using comparable sales and rents honestly, without cherry-picking.
- Rehab ROI
Which renovations return their cost in rent and value — and which don't.
- The BRRRR Strategy
Buy, rehab, rent, refinance, repeat — how the recycling model works and where it breaks.