Finance category
Mortgage, loan, investing, tax, and money calculators.
Inspection Repair Reserve Calculator
Acquired properties need reserve for inspection-driven repairs. This calculator sizes the reserve.
Repair reserve
$120,491
Reserve % of value
2.19%
Reserve per issue
$6,694
How the math works
Reserve = value × (age-based factor × issue adjustment × (1 + contingency)).
Budget reserve into acquisition cost. Properties with proper reserve at close perform better than those promising 'as-is' with thin contingencies — surprises are the norm, not exception.
How to Use
- Enter property value.
- Enter property age.
- Enter identified issue count.
- Enter contingency %.
- Read repair reserve.
Frequently Asked Questions
Reserve sizing?
0.5% of value for new buildings. 1-2% for 10-25 year buildings. 2-4% for 25-50 year. 4%+ for historic or deferred-maintenance properties. Older + unfinished issues = higher reserve.
Timing?
Typically deployed in first 12-24 months of ownership. Some immediate (safety), some deferred (cosmetic). Budget all upfront even if spend is staged.
Lender requirements?
Lenders often require repair escrow equal to 125-150% of inspector-identified critical items. Held in escrow, released as work completes with sign-off. Can hinder cash flow if major.
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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