# How your portfolio numbers are calculated

> How Total Equity, Total Invested Capital, Portfolio ROI, Occupancy Rate and the other Portfolio cards are worked out from what you enter.

The cards at the top of the **Portfolio** page are not stored figures. Re:InvestorHub adds them up from the properties you have entered, so they change the moment you edit a property. If a card looks wrong, the cause is almost always a missing or outdated field on one property.

## The parts

| Card | How it is worked out |
|---|---|
| **Total Properties** | The number of properties shown. |
| **Total Units** | The units across those properties. |
| **Occupancy Rate** | Rented units divided by total units. |
| **Total Equity** | For each property, its value minus its loan balance, added together. |
| **Total Invested Capital** | For each property, its purchase price minus its loan balance, added together. |
| **Total Loan Balances** | The **Current Loan Balance** of each property, added together. |
| **Monthly Cash Flow** | The **Monthly Cash Flow** you entered on each property, added together. |
| **Portfolio ROI** | A year of cash flow divided by total purchase price. |

Large amounts are abbreviated, for example **$150K** or **$1.20M**.

## What each number depends on

**Value.** A property's value is its **Current Value**. If you left that blank, Re:InvestorHub uses the **Purchase Price** instead, so a property you never revalued is valued at what you paid.

**Equity.** Value minus **Current Loan Balance**. With no loan balance entered, equity equals value. The property form shows this as **Calculated Equity: Current Value - Loan Balance**. Equity can be negative, and **Total Equity** turns red when it is.

**Invested capital.** **Purchase Price** minus **Current Loan Balance**, never below zero for a single property. It is roughly your down payment plus the loan you have paid off. It does not include renovation spending.

**Portfolio ROI.** Your **Monthly Cash Flow** total is multiplied by 12, then divided by the total of all **Purchase Price** values. It measures yearly cash flow against what the properties cost, not against the cash you put in, and it ignores appreciation and rehab spending. With no purchase prices entered it shows 0%.

**Occupancy.** Occupancy counts units, not properties. For each property:

- If it lists units in the unit table, each unit with the status **Rented** counts as occupied.
- If it has no unit table, a property with the status **Rented** counts all its units as occupied, and one with any other status counts none.

A single-family home, condo or townhouse has 1 unit, a duplex 2, a triplex 3 and a fourplex 4. A single family home with an ADU counts at least 2. If you type a **Total Units** number, that number wins.

**Monthly Cash Flow.** This is a number you enter, not one the app derives. The app adds your entries together. For a property with several units, **Monthly Rent** is the sum of the unit rents, but cash flow is still a figure you type.

## A worked example

You own two properties.

| | Purchase Price | Current Value | Loan Balance | Monthly Cash Flow | Units rented |
|---|---|---|---|---|---|
| Single family home | $200,000 | $240,000 | $150,000 | $400 | 1 of 1 |
| Duplex | $300,000 | blank | $240,000 | $600 | 1 of 2 |

- **Total Equity:** ($240,000 - $150,000) + ($300,000 - $240,000) = **$150K**. The duplex uses its purchase price as its value.
- **Total Invested Capital:** ($200,000 - $150,000) + ($300,000 - $240,000) = **$110K**
- **Total Loan Balances:** **$390K**
- **Monthly Cash Flow:** **$1,000**
- **Portfolio ROI:** $1,000 x 12 = $12,000, divided by $500,000, is **2.4%**
- **Occupancy Rate:** 2 rented units out of 3 is **67%**

## Good to know

- The cards follow your search and filters. If you search by city or filter by status or type, the cards total only the properties on screen.
- A property with no purchase price adds nothing to invested capital and ROI. A property with no loan balance adds its full value to equity.
- Equity is based on the value you enter. It does not update itself as the market moves.
- On a multi-unit property, **Rented** and **Vacant** follow its units. A duplex with one tenant shows as **Rented**.
- Each entity's section shows its own **Equity** and **Cash Flow**, added up the same way for the properties it owns.

> **Tip:** Keep **Current Value** and **Current Loan Balance** up to date on each property. They drive equity, and equity is the card people most often compare against their own records.

## Related

  - [Reports and exports](https://docs.reinvestorhub.ai/guides/reports-and-exports/): Export portfolio figures as a report.
  - [Roles explained](https://docs.reinvestorhub.ai/reference/team-and-roles/roles-explained/): What each teammate can do with your portfolio.