Editorial Standards

This page covers three things: who is accountable for what appears on PropertyInvestmentCalc, how the calculators and the guide articles get built, and where the underlying figures come from.

Ownership and accountability

Chris Terry owns PropertyInvestmentCalc and is the one accountable if a calculator breaks or a figure goes stale. Real estate finance articles are written and kept current by Jessica Martinez, whose byline runs on the guide pages.

How a calculator gets built

Each tool starts from a documented formula, cap rate as NOI over price, DSCR as rent over PITIA, straight-line depreciation over the IRS's 27.5-year residential schedule, then gets tested against a handful of manually worked examples before it goes live. Assumptions (vacancy defaults, management fee percentages, and the like) are stated on the calculator itself rather than buried. Nothing you type into a calculator is collected or stored; the math runs in your browser and stays there.

Where the numbers come from

Underwriting formulas and lending thresholds referenced in the DSCR, cap rate, and ROI guides are drawn from public lender guidelines and standard real-estate practice, not a single proprietary source. Where a figure varies by state, lender, or year, the article says so and links to a primary source (the CFPB, IRS, or similar) rather than presenting one number as universal.

Corrections and independence

Some outbound links pay a commission if you click through; that arrangement has no bearing on which lender requirement or formula gets described, since the underlying math does not change based on who is paying for a link. If a figure is wrong or a formula is out of date, flag it and it gets corrected, not defended.