Underwrite a buy-and-hold rental the way lenders do. This calculator uses conservative expense assumptions (taxes, insurance, vacancy, maintenance, management) and computes the debt-service coverage ratio banks actually check — not the fantasy math listing agents use. Tuned for Charlotte, NC: the rent defaults below start at the metro's real FY2025 HUD Fair Market Rent — edit anything to match your deal.
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Official HUD Fair Market Rents for the Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area. Use these as a sanity check against any listing's rent claims — if a pro-forma assumes rents far above these, ask why.
| Studio | 1 BR | 2 BR | 3 BR | 4 BR |
|---|---|---|---|---|
| $1,586/mo | $1,647/mo | $1,824/mo | $2,250/mo | $2,852/mo |
Source: U.S. Department of Housing & Urban Development, FY2025 Fair Market Rents. FMRs are gross-rent estimates at the 40th percentile — solid floor benchmarks; well-located or renovated properties often rent above them.
A calculator answers one strategy with the numbers you type. The AgenticREI analyzer answers all six — buy & hold, rent-by-room, fix & flip, wholesale, STR, and BRRRR — from just an address in Charlotte or anywhere else. It pulls the property records and market rents itself, flags where the listing's claims disagree with the data, and gives you a straight BUY, NEGOTIATE, or PASS.
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