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CapEx Reserve Deposit Calculator
CapEx reserves fund major system replacement.
Monthly deposit
$9,000
Annual deposit
$108,000
10-year accumulation
$1,080,000
How the math works
Annual = rent × rate. Monthly = annual / 12. 10-yr = annual × 10.
$3.6M × 3% = $108k/yr = $9k/mo. $1.08M accumulated over 10 years.
How to Use
- Enter gross rent annual.
- Enter CapEx reserve rate % of rent.
- Read monthly deposit and annual total.
Frequently Asked Questions
Typical rates?
Multifamily: 2-4% of gross rent. Office: 1-3%. Retail: 1-2%. Industrial: 0.5-1.5%. Varies by property age and major systems. Recent construction: lower; older: higher. Lender covenants typical.
Reserve sizing?
Target: cover major system replacement over 7-10 years. Roof, HVAC, elevators, parking, envelope. Shortfall forces sponsor equity contribution mid-hold. Over-reserve: excess cash tied up. Good sizing from capital plan.
Releases?
Typical: owner draws for documented qualifying capital work. Lender approves receipts. No discretionary use. Cumulative balance builds over loan term. Released at payoff or refi.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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