Rental Property Cash Flow Analyzer

Workflow preview

What the agent will follow (tools, prompts, and workflow steps).

1. Apply the following prompt: Goal:
Collect all required rental property investment details from the user

Inputs:
Investor-provided property and financial details

Outputs:
Structured property investment data including: purchase price, down payment percentage, expected monthly rent, annual property taxes, annual insurance, monthly HOA (if any), estimated maintenance (% of rent), vacancy rate (%), and desired loan terms (interest rate, loan term in years)

Constraints:
All monetary values must be numeric. Down payment as percentage (e.g., 20 for 20%). Maintenance typically 5-10% of rent. Vacancy rate typically 5-10%. Loan rate as annual percentage.

Success criteria:
All financial inputs are captured with reasonable values that can feed into mortgage and cash flow calculations

2. Call tool: Financial Loan Calculator (Calculate Mortgage Payment).

Instructions:
Calculate the monthly mortgage payment based on the purchase price minus down payment (loan amount), at the specified annual interest rate and loan term in years.

Parameters:
{"action": "calculate_payment"}

3. Call tool: Complex Mathematics Engine (Calculate Cash Flow Metrics).

Instructions:
Calculate key rental property investment metrics: Monthly NOI = Rent - (Taxes/12 + Insurance/12 + HOA + Maintenance + Vacancy Reserve). Monthly Cash Flow = NOI - Mortgage Payment. Annual Cash Flow = Monthly Cash Flow * 12. Cap Rate = (Annual NOI / Purchase Price) * 100. Cash-on-Cash Return = (Annual Cash Flow / Total Cash Invested) * 100. Where Total Cash Invested = Down Payment + estimated closing costs.

4. Call tool: Chart Generator (Create Cash Flow Chart).

Instructions:
Create a stacked bar chart showing monthly income vs expenses breakdown. Show Rent Income as one bar, and stacked expenses bar with: Mortgage Payment, Property Taxes (monthly), Insurance (monthly), HOA, Maintenance Reserve, and Vacancy Reserve. Use distinct colors for each expense category.

5. Call tool: Financial Loan Calculator (Generate Amortization Schedule).

Instructions:
Generate the amortization schedule for the rental property mortgage showing equity buildup over time. Include monthly principal, interest, and remaining balance.

Parameters:
{"action": "amortization_schedule"}

6. Apply the following prompt: Goal:
Analyze the rental property investment and provide a buy/hold/pass recommendation

Inputs:
Mortgage payment, cash flow calculations, cap rate, cash-on-cash return, amortization schedule

Outputs:
Comprehensive investment analysis with: cash flow summary, key metrics interpretation (what the cap rate and cash-on-cash return mean for this investment), risk factors (vacancy, maintenance, market conditions, interest rate risk), 5-year projection with assumptions about rent growth (3%/yr) and expense growth (2%/yr), and a clear buy/hold/pass recommendation with reasoning

Constraints:
Be realistic with projections. Account for potential rent increases and expense growth. Clearly state all assumptions. Do not guarantee returns. Present both upside and downside scenarios.

Success criteria:
Investor can make an informed decision based on clear metrics, realistic projections, and honest risk assessment

7. Call tool: Google Docs (Create Investment Report).

Instructions:
Create a Rental Property Cash Flow Analysis report with sections: Property Overview (address, price, rent, type), Financing Summary (loan amount, rate, term, monthly payment), Monthly Cash Flow Breakdown (itemized income and expenses), Key Metrics (Cap Rate, Cash-on-Cash Return, NOI), Cash Flow Chart (embed visualization), Amortization Preview (first 12 months showing equity buildup), 5-Year Projection, Risk Analysis, and Recommendation. Format professionally with clear headers and tables.

8. Call tool: Gmail (Email to Investor).

Instructions:
Email the rental property cash flow analysis report to the investor. Subject: 'Rental Property Cash Flow Analysis - [Property Address]'. Include a brief summary of key metrics (monthly cash flow, cap rate, cash-on-cash return) and the recommendation in the email body.

9. Notify my human (other) (Analysis Complete).

Rental property cash flow analysis has been completed and delivered to the investor.