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Investing & Rentals

Residential investment, rental operations, and the economics of owning rental property.

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Calculated ExplainerInvesting & RentalsOct 10, 20265 min read

Multifamily Loss to Lease: Timing the Upside

Multifamily loss to lease measures potential rent upside. See how lease expirations, restrictions, concessions and vacancy change first-year revenue.

Data ReportInvesting & RentalsOct 9, 20263 min read

Yardi September 2026 Occupancy: Lease-Up

Yardi September 2026 occupancy points to lease-up gains. Read the rent comparison, measurement-date limits and implications for property revenue.

GuideInvesting & RentalsOct 6, 20264 min read

Rental Loss of Rent Coverage: What Triggers It?

Rental loss of rent coverage may replace income after covered damage. Learn what triggers payment, which expenses are deducted, and why reserves still matter.

GuideInvesting & RentalsOct 5, 20265 min read

Virginia Rental Application Deposit: Refunds

Virginia rental application deposit refunds: check the payment method, 10- or 20-day deadline, and itemized deductions for actual expenses and damages.

Deep GuidePolicy & RegulationOct 5, 20265 min read

Voucher Live-In Aide Approval: Who Qualifies?

Voucher live-in aide approval depends on care needs, PHA review and household status. Learn how relatives, income and bedroom decisions are treated.

ChecklistPolicy & RegulationOct 3, 20265 min read

EPA Renovation Notice Timing: Before Work

EPA renovation notice timing explained: who gets Renovate Right, when to deliver it, and what proof owners and rental managers should keep.

Calculated ExplainerInvesting & RentalsOct 2, 20264 min read

Rental Blanket Loan Partial Release: Sale Math

A rental blanket loan partial release can require more than a home's allocated debt. See how release conditions and sale costs affect closing cash.

Calculated ExplainerInvesting & RentalsSep 29, 20264 min read

Multifamily Rate Cap Strike: Add the Spread

A multifamily rate cap strike generally excludes the loan spread. See how SOFR payouts, notional amounts, payment dates and expiration affect net interest.

Calculated ExplainerPolicy & RegulationSep 28, 20265 min read

Voucher Utility Allowance: Rent to Owner

A voucher utility allowance affects gross rent, tenant payments and utility reimbursement. Advertised rent alone cannot establish lease approval.

TemplateInvesting & RentalsSep 27, 20265 min read

Ohio Deposit Forwarding Address: Keep Proof

Use an Ohio deposit forwarding address notice and evidence log. Learn when the 30-day clock starts and how missing notice affects additional remedies.

ChecklistInvesting & RentalsSep 26, 20264 min read

Vacant Rental Winterization: Assign the Checks

Plan vacant rental winterization around heat, plumbing, assigned inspections and failure response. Build a property record before freezing weather arrives.

Deep GuidePolicy & RegulationSep 22, 20265 min read

HOME Over-Income Tenant Rent: What Changes

HOME over-income tenant rent rules separate rent changes from restoring the unit mix. Compare fixed and floating units, notice periods and LIHTC.

ComparisonInvesting & RentalsSep 21, 20265 min read

Renters Insurance: Interested Party vs. Insured

An interested party on renters insurance receives notices. Compare that role with an additional insured and confirm the lease requirement was met.

Data ReportInvesting & RentalsSep 20, 20263 min read

August 2026 Rental Concessions: Read the Share

August 2026 rental concessions averaged 43.5% of covered listings. Separate the prevalence of advertised offers from their value and landlords’ motives.

ChecklistInvesting & RentalsSep 19, 20263 min read

Rental LLC Mortgage Transfer Checklist

Before a rental LLC mortgage transfer, check investor rules, personal liability, occupancy terms and the requirements for a later refinance.

Data ReportInvesting & RentalsSep 18, 20263 min read

July 2026 Attached and Detached Rents

July 2026 attached and detached rents grew at similar rates. See what Cotality’s small growth gap means for rental revenue assumptions and local comparisons.

AnalysisHousing TechnologySep 15, 20264 min read

Bilt Livly Migration: What to Confirm

Bilt Livly migration details remain open in the launch announcement. What operators should confirm about access, service requests and payment records.

Calculated ExplainerInvesting & RentalsSep 15, 20264 min read

Multifamily Utility Reimbursements and NOI

Reconcile multifamily utility reimbursements with gross or net expenses, verify collections, and avoid overstating NOI and cap rates.

GuideInvesting & RentalsSep 13, 20264 min read

Massachusetts Last Month’s Rent Interest

Check interest on last month’s rent in Massachusetts, including the 5% rule, shorter tenancies, payment deadlines and records to verify.

Calculated ExplainerInvesting & RentalsSep 9, 20265 min read

DSCR Prepayment Penalty: Sale and Refinance

See how a DSCR prepayment penalty affects a sale, refinance or partial payment, with hypothetical step-down costs and a rate-versus-exit comparison.

Data ReportInvesting & RentalsSep 8, 20264 min read

August 2026 Apartment Rent Growth: Breadth Narrows

August 2026 apartment rent growth gained annually but lost monthly breadth. Market counts and regional differences help test revenue assumptions.

Calculated ExplainerInvesting & RentalsSep 6, 20265 min read

Chicago Security Deposit Interest: Which Lease Year?

Match Chicago security deposit interest to the correct lease year, check renewal dates and exemptions, and reconcile payment timing with your records.

Calculated ExplainerMortgage & FinanceSep 6, 20265 min read

FHA Three- and Four-Unit Self-Sufficiency Test

FHA three- and four-unit self-sufficiency rules: count the owner's unit, apply the right rent deduction and separate loan approval from rental cash flow.

ComparisonInvesting & RentalsSep 5, 20265 min read

Multifamily Debt Yield vs DSCR: What Each Tests

Compare multifamily debt yield vs DSCR using one property, and see how rates, amortization and income definitions change the financing analysis.

Calculated ExplainerInvesting & RentalsSep 1, 20264 min read

Rental Replacement Reserve vs. Depreciation

Rental replacement reserve vs. depreciation: see how savings, a roof replacement and tax deductions produce different cash-flow and taxable results.

ChecklistInvesting & RentalsAug 30, 20264 min read

California Pre-Move-Out Inspection Checklist

Use this California pre-move-out inspection checklist to document notices, repairs, deposit deductions and the landlord’s required photographs.

GuideInvesting & RentalsAug 29, 20265 min read

New York: Notice for a Five Percent Rent Increase

A New York five percent rent increase requires notice. Check 30-, 60- and 90-day deadlines, late notices, rent stabilization and Good Cause rules.

Deep GuidePolicy & RegulationAug 28, 20265 min read

Minneapolis Triplex Conversion: Building Code

Understand the building code for a Minneapolis triplex conversion, from architect plans and zoning checks to safety upgrades and rental approvals.

Data ReportInvesting & RentalsAug 27, 20264 min read

June 2026 Single-Family Rent Tiers: Test the Gap

June 2026 single-family rent tiers show a two-point growth gap. Use Cotality's results to test revenue, with expenses and losses modeled separately.

GuideInvesting & RentalsAug 25, 20265 min read

Texas Rental Purchase: Deposit Transfer Checklist

For a Texas rental purchase, reconcile the security deposit transfer, closing credit and tenant acknowledgment before taking over an occupied house.

ChecklistInvesting & RentalsAug 23, 20266 min read

Texas Allocated Water Bill: What to Check

Check a Texas allocated water bill against your lease, the property's master bill, common-area deductions and records you can request from management.

ChecklistHousing TechnologyAug 22, 20263 min read

Rental Smart Lock Offline Access: What to Check

Check rental smart lock offline access before buying: verify existing PINs, code revocation, battery backup, access logs and staff response plans.

ChecklistInvesting & RentalsAug 19, 20263 min read

Rental Vacancy Insurance: Checks Between Tenants

Check insurance for a rental vacancy between tenants, including policy definitions, renovation exclusions, liability and loss-of-rent terms.

Data ReportInvesting & RentalsAug 18, 20264 min read

July 2026 Asking Rents by Unit Size

Compare July 2026 asking rents by unit size, then test leasing and renewal assumptions against local competition, occupancy and cash collections.

ChecklistInvesting & RentalsAug 16, 20264 min read

Boston September Move-In Condition Checklist

Use this Boston September move-in condition checklist to record damage, track Massachusetts statement deadlines, and document keys and repairs.

Deep GuidePolicy & RegulationAug 13, 20265 min read

Massachusetts ADU Owner Occupancy and Rental Limits

Massachusetts ADU owner occupancy rules let owners of qualifying units live elsewhere. Rental limits, permits and site requirements still apply.

Calculated ExplainerInvesting & RentalsAug 6, 20265 min read

DSCR Loan vs. Rental Cash Flow: Why They Differ

Compare DSCR loan qualification vs. rental cash flow, with a worked example of how vacancy, management, repairs and reserves can erase the surplus.

Guides & explainers

Calculated ExplainerInvesting & RentalsOct 10, 20265 min read

Multifamily Loss to Lease: Timing the Upside

Multifamily loss to lease measures potential rent upside. See how lease expirations, restrictions, concessions and vacancy change first-year revenue.

GuideInvesting & RentalsOct 6, 20264 min read

Rental Loss of Rent Coverage: What Triggers It?

Rental loss of rent coverage may replace income after covered damage. Learn what triggers payment, which expenses are deducted, and why reserves still matter.

GuideInvesting & RentalsOct 5, 20265 min read

Virginia Rental Application Deposit: Refunds

Virginia rental application deposit refunds: check the payment method, 10- or 20-day deadline, and itemized deductions for actual expenses and damages.