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Money & investing · course 73 of 105

Real Estate Investing Maths, Loan to Returns

Run the numbers on a rental: mortgage payments, loan-to-value, net operating income, cap rate, cash-on-cash return, and one full deal from the loan to the returns. Maths, never advice.

4 modules

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Runs in Claude (claude.ai, the Claude apps or Claude Code) with your own Claude account. A course opens there as soon as your payment goes through; nothing is shipped.

Preview

What it teaches

The numbers behind buying a rental: the monthly mortgage payment and how much of it is interest, total interest over the loan, loan-to-value and down payments, debt-to-income; then the property’s side: net operating income, cap rate (and value from a cap rate), gross rent multiplier, debt service coverage and cash-on-cash return; then one made-up deal worked from the loan to the returns. The AI asks 3 questions, places you, shows a short card per module, then gives you one calculation at a time and names the slip when your answer matches one it lists.

Every price, rent, cost and rate is made up. It teaches the maths, not what to buy or what rates are today.

How long

34 items. About 30-60 rounds plus a 12-item final: 2 sessions (estimate, not timed with a real student). The tutor gives a one-line save code at the end of each session.

The modules

4 modules, drilled one item at a time.

  1. M0

    The words

    What each measure compares

  2. M1

    The mortgage

    Payments, interest, LTV and DTI

  3. M2

    An income property

    NOI, cap rate, GRM, DSCR and cash-on-cash

  4. M3

    One deal, step by step

    One made-up rental, from the loan to the returns

Before it teaches, it asks

  1. 1
    What brings you to real estate maths (buying a home, a first rental, a real estate course or job), and have you worked out a mortgage payment or a cap rate before?
  2. 2
    You borrow $320,000 to buy a home appraised (and priced) at $400,000. What is the loan-to-value (LTV) ratio, as a percentage?
  3. 3
    NOI $36,000 a year; the building’s current value is $600,000. What is its cap rate?

What’s exact, and what isn’t

Show

Straight from the course’s own notes.

Computed
Every number answer with exact fractions from the formulas on the cited pages. The script first reproduces the pages' own examples ($200,000 at 6.5% for 30 years = $1,264.14 a month; a gross rent multiplier of 22.22; a 10% cap rate) and runs every loan month by month to a zero balance. Each listed wrong answer is the slip it names, computed, and outside the item’s allowance.
Sourced
Loan-to-value and debt-to-income from the CFPB (the loan ÷ value division from Wikipedia’s Loan-to-value ratio page); the mortgage formula, cap rate, gross rent multiplier, debt service coverage and cash-on-cash from Wikipedia; 11 short quotes matched word for word on the live pages 2026-10-11.
One source only
Cap rate, gross rent multiplier, debt service coverage and cash-on-cash rest on Wikipedia’s definitions (simple ratios; the arithmetic is exact).
Not in it yet
Taxes and depreciation, closing costs, mortgage insurance and escrow, adjustable rates, refinancing, appreciation.