The Problem
You’ve watched the videos. You’ve read the spreadsheets. You still don’t know if the house you’re looking at is a deal or a disaster waiting to happen.
Here’s the thing — a property can cash flow on paper and still lose you money in real life. I’ve seen it happen to smart people with good jobs and good credit who did all the “research” and still bought the wrong house.
The problem isn’t that you’re bad at math. It’s that nobody gave you the actual checklist. The one that separates a deal from a money pit before you sign anything.
That’s what this tool is.
The Chatto Rental Property Analyzer (RPA).
Enter the numbers on any property you’re looking at purchase price, rent, taxes, insurance, whatever you’ve got. Save it. Come back to it. Compare it against the next one.
Then the tool runs it through the same framework I’ve used on every rental I’ve bought in 25 years, and gives you one of two answers:
Buy it. Or don’t
No spreadsheet gymnastics. No guessing what “good cash flow” even means. Just a straight answer, backed by real numbers.
01. Enter the property
Address, purchase price, expected rent, taxes, insurance, renovation budget the same numbers you’d pull together anyway. Save as many properties as you want and come back to them anytime.
02. The RPA runs the checks
It runs your numbers through my go/no-go framework the same one I use before I put an offer on anything.
03. Get your answer
Buy it or pass. In plain English, with the numbers to back it up not a vague “looks okay.”
THE FRAMEWORK (What’s Under the Hood)
I don’t buy on gut feel, and you shouldn’t either. Here’s what the RPA checks on every property:
75%
The 75% Rule
Your all-in price purchase, renovation, closing costs, reserves has to land at or below 75% of what the property is worth fully fixed up. If it doesn’t, you’re not buying equity, you’re buying a favor to the seller.
10%
The 10% Cash Flow Stress Test
I don’t run the numbers at today’s low rate and hope for the best. The RPA stress-tests your cash flow at a 10% interest rate worst-case benchmark. If the deal still cash flows there, it’ll survive whatever the market throws at it.
12%
The 12% Return Floor
Your return on total cash invested needs to clear 12% at minimum. Below that, your money works harder somewhere else.
Pass all three, and the tool tells you to buy it. Miss even one, and it tells you to walk or exactly how much you need to knock off the price to make it work.
WHO THIS IS FOR
You’ve got a good job, decent credit, and you’re ready to buy your first rental — or your next one. You don’t want a money pit. You don’t want a 2 a.m. call about the heat going out. You want a boring, cash-flowing property that does what it’s supposed to do.
You don’t need 50 doors. You need 2 or 3 that actually work. This tool tells you which ones those are.
