Jonathan Calero
Founder & CEO
Jonathan founded HomePilotIQ to make real estate analysis more accessible through technology, financial analysis and intuitive software design.
HomePilotIQ
AI-Powered Real Estate Investment Intelligence
Whether you're buying a home for your family or analyzing an investment property, HomePilotIQ has the right intelligence tool for you.
For first-time buyers, families, move-up buyers, downsizers, and anyone purchasing a primary residence. Analyze affordability, monthly costs, equity growth, and long-term financial confidence.
For rental property investors, BRRRR investors, agents, and future commercial deal analysis. Calculate cash flow, ROI, cap rate, and get AI-guided deal scores.
Key Metrics Calculated
HomePilot Score Ratings
Free & Private
Deals You Can Save
No spreadsheets. No guesswork. Clear numbers, AI-guided insights, and deal intelligence for serious real estate investors.
See exactly how much income an investment property generates each month after all expenses — mortgage, taxes, insurance, maintenance, and more.
Calculate cash-on-cash return, cap rate, and 5-year wealth projections so you can compare investment opportunities and know if your capital is working hard enough.
Get AI-guided deal scoring and plain-English investment summaries on every property. Understand the risk, upside, and whether a deal deserves your capital.
Input the purchase price, financing terms, rental income, and estimated expenses for any investment property. Takes about 2 minutes.
Instantly see cash flow, cap rate, cash-on-cash return, 5-year wealth projections, and an AI-guided investment summary.
Save deals to your Portfolio Intelligence Comparison Tooland compare up to 3 investment opportunities side-by-side. Gold badges highlight your best deal automatically.
HomePilotIQ is expanding beyond residential investments with future commercial tools for multifamily, mixed-use, retail, office, assisted living, self-storage, and other income-producing real estate opportunities.
AI-Powered Real Estate Investment Intelligence
Enter your investment property details below to get a full deal analysis
Fill in the property details and click
"Analyze This Deal"to see your results.
The HomePilot Score summarizes the property's financial performance, projected wealth potential, and available market-supported data into one easy-to-understand score.
The HomePilot Score is for informational and educational purposes only and does not constitute financial, investment, legal, tax, lending, or real estate advice. Users should independently verify all property, rental, financing, and market information.
See how your deal changes as rates move up or down
| Rate | Mortgage/mo | Cash Flow/mo | CoC Return | Cap Rate | 5-Yr Wealth Gain |
|---|
Model a future refinance and see how your cash flow improves
Play with numbers — compare different strategies side by side
| Scenario | Price | Down | Rate | Rent/mo | Cash Flow/mo | CoC Return | Cap Rate | 5-Yr Wealth | Cash Needed | Score |
|---|
Select up to 3 saved properties and instantly see which investment performs best — side-by-side.
We compare each saved property across 6 key metrics: monthly cash flow, cap rate, cash-on-cash return, total cash needed, projected equity growth, and 5-year wealth gain. A gold "Best"badge highlights the top value in each category.
AI-Powered Real Estate Investment Intelligence
Your complete investment portfolio overview — aggregated metrics, charts, and 5-year wealth projections.
Your Portfolio Dashboard aggregates all your saved investment properties into one powerful view. Sign in to access your personalized portfolio metrics, charts, and 5-year wealth projections.
Don't have an account? Create one free →
Analyze and save your first investment property to start building your Portfolio Dashboard. Your metrics, charts, and 5-year wealth projections will appear here automatically.
Aggregated metrics across all your saved investment properties
Top performers across your saved investment properties
Visual breakdown of your investment portfolio performance
All saved investment properties in your portfolio
| Property Address | Purchase Price | Monthly Cash Flow | Equity | Cap Rate | CoC Return | HomePilot Score | Saved | Actions |
|---|
Long-term portfolio growth summary based on your current saved properties
Help shape the next real estate connection.
Start with a free private buyer profile. Sellers can explore how buyer demand works; professionals can request access through the existing verification process.
Share what you need privately. Contact details stay behind consent-based introductions.
Explore demand and property opportunities. Professional access remains subject to verification.
Analyze opportunities and explore the investor journey in Connect.
Existing usage limits and access requirements still apply. Beta access does not unlock every feature. Future premium features may come later; no paid plan is offered here.
Join the existing product waitlist for future feature announcements. No payment is collected.
Future feature updates will be sent to .
MLS-Powered Listing Search
Better information. More thoughtful connections.
HomePilot brings property search, educational analysis and private, consent-first connections into one place for buyers, sellers, agents and investors.
Our mission is to make buying a home and investing in real estate more transparent, more informed and less intimidating.
Founder & CEO
Jonathan founded HomePilotIQ to make real estate analysis more accessible through technology, financial analysis and intuitive software design.
Co-Founder & Director of Real Estate
Lauren is a licensed real estate professional who brings practical real estate guidance and client advocacy to the product.
Search for homes, explore affordability and investment estimates, and connect around property needs. Analysis is decision support, not a substitute for licensed professional advice.
Connect keeps buyer profiles private, gates professional access and uses consent-based introductions. Review the existing policies and disclosures for details.
Legal & Disclosures
Lauren Calero is a licensed real estate broker affiliated with:
RE/MAX of Naperville
1200 Iroquois Ave
Naperville, IL 60563
Office: (630) 420-1220
Illinois License: #475166469
IDX Disclosure
IDX listings displayed on HomePilotIQ are provided pursuant to MLS licensing agreements and applicable MLS rules. Listing information is deemed reliable but is not guaranteed.
Future listing pages will include: IDX listings provided courtesy of MRED · listing information deemed reliable but not guaranteed · brokerage attribution · MLS attribution · listing broker attribution where required.
This tool provides estimates for educational purposes only. Real estate investing involves significant risk. Always verify numbers with licensed professionals including real estate agents, lenders, accountants, and attorneys before making any investment decision.
Past performance does not guarantee future results. Market conditions, interest rates, and local factors can significantly impact actual returns.
Evaluate the property. Understand the opportunity. Connect with intent.
Explore cash flow, cap rate, financing assumptions and projected returns using the existing property analyzer.
Analyze PropertiesThe investor journey is designed around strategy, market, budget, property type, rehab appetite, priorities and timeline. Choose Investors in Connect to explore it.
Explore Investor ConnectThe investor interface is available for preview. Production persistence of the new investor criteria and the anonymous investor matching projection remain pending separate schema approval and activation. Do not rely on those capabilities being live yet.
Estimates are educational, not investment advice. Read the investment disclaimer.
Policies, educational-use disclosures and real estate information.
Existing terms and conditions for using HomePilotIQ.
Existing information collection and privacy policy.
Educational estimates, investment risks and professional-advice disclosures.
Existing brokerage, licensing and IDX disclosure text.
Please read these terms carefully before using HomePilotIQ
Welcome to HomePilotIQ.
By accessing or using this website and software platform, you agree to comply with and be bound by these Terms of Service.
HomePilotIQ provides real estate investment analysis tools, calculators, projections, and AI-generated insights for informational and educational purposes only.
Users understand and agree that:
Users agree not to:
HomePilotIQ reserves the right to modify, suspend, or discontinue services at any time without notice.
By using this platform, you acknowledge and accept these terms.
How we collect, use, and protect your information
HomePilotIQ respects your privacy and is committed to protecting your information.
HomePilotIQ does not sell personal information to third parties.
Cookies and analytics tools may be used to improve functionality and user experience.
Users may request account or data removal by contacting support.
By using HomePilotIQ, you consent to this Privacy Policy.
Important information about the nature of our tools and analysis
The information provided by HomePilotIQ is for informational and educational purposes only.
HomePilotIQ does not provide:
All property analysis, projections, AI-generated summaries, cash flow estimates, appreciation forecasts, and investment calculations are estimates only and may not reflect actual results.
Real estate investing involves risk, including potential loss of capital.
Users should independently verify all information and consult licensed professionals before making financial or investment decisions.
HomePilotIQ makes no guarantees regarding investment performance, profitability, or future property appreciation.
Use of this platform is entirely at your own risk.
AI-Powered Real Estate Intelligence
Analyze affordability, monthly costs, lifestyle impact, equity growth, and long-term financial confidence before buying your next home.
Fill in your home details and financial profile, then click Analyze This Home Purchaseto see your full affordability report.
It helps buyers estimate monthly housing costs, affordability, debt-to-income ratio, savings impact, emergency fund health, and long-term equity potential before purchasing a home.
No. It can help first-time buyers, move-up buyers, downsizers, relocating families, and anyone evaluating a primary residence purchase.
Yes, but a primary residence is different from a rental investment. HomePilotIQ evaluates both the financial return and the personal affordability impact of buying a home.
No. HomePilotIQ provides educational analysis and decision support. Buyers should verify numbers with a licensed lender, real estate agent, attorney, tax advisor, or financial professional.
Tweak any inputs to model a custom scenario. All other values inherit from the current deal.
AI-Powered Real Estate Investment Intelligence
We're here to help — reach out anytime
Our team typically responds within 1 business day. Click the button below to contact us directly.
✉️ Contact Supportsupport@homepilotiq.ai
Have a question, bug report, or feature request? Reach out and we'll get back to you as soon as possible.
✉️ Contact SupportThis will open your email client pre-addressed to our support team.
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Coming SoonBrowse answers to common questions.
Coming SoonHomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice. For investment decisions, consult a licensed professional.
AI-Powered Real Estate Investment Intelligence
Instantly analyze any rental property's cash flow, ROI, and investment potential
A rental property calculator is an essential tool for real estate investors. It helps you quickly determine whether a rental property will generate positive cash flow, a strong return on investment, and long-term wealth. Instead of guessing, you get real numbers — monthly cash flow, cap rate, cash-on-cash return, and a clear Buy, Maybe, or Avoid recommendation.
HomePilotIQ's rental property calculator goes beyond basic math. It factors in mortgage payments, property taxes, insurance, HOA fees, maintenance, vacancy, property management, and projected appreciation — giving you a complete picture of every deal.
Positive monthly cash flow means the property pays you every month after all expenses. Most experienced investors target at least $100–$300/month per door. A rental property calculator shows you exactly where you stand before you buy.
Beyond cash flow, smart investors track cap rate (net operating income ÷ purchase price), cash-on-cash return (annual cash flow ÷ total cash invested), and 5-year equity projections. HomePilotIQ calculates all of these instantly.
Underestimating vacancy (plan for 5–8%), ignoring maintenance costs (budget 5–10% of rent), and forgetting property management fees (8–12%) are the top reasons investors lose money on rentals. Our calculator includes all of these by default.
HomePilotIQ combines all rental property calculations into one clean dashboard. Enter your numbers, get instant results, save deals, compare properties side-by-side, and build a complete investment portfolio — all in one place.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice. All calculations are estimates based on user-provided inputs.
AI-Powered Real Estate Investment Intelligence
Calculate capitalization rate instantly for any investment property
Cap rate (capitalization rate) is one of the most important metrics in real estate investing. It measures a property's income potential relative to its purchase price, independent of financing. Cap rate = Net Operating Income (NOI) ÷ Purchase Price × 100. A higher cap rate generally means higher returns — but also higher risk.
HomePilotIQ's cap rate calculator automatically computes NOI from your rental income and operating expenses, then divides by the purchase price to give you an instant cap rate — no spreadsheets required.
Cap Rate = (Annual Rental Income − Annual Operating Expenses) ÷ Purchase Price. Operating expenses include taxes, insurance, HOA, maintenance, vacancy, and management — but NOT the mortgage payment. This makes cap rate useful for comparing properties regardless of how they're financed.
A "good" cap rate depends on the market. In high-demand urban markets, 4–6% is typical. In secondary or tertiary markets, investors often target 7–10%+. Generally, cap rates above 6% are considered solid for residential rentals. HomePilotIQ flags your cap rate alongside the deal score.
Cap rate ignores financing — it's a property-level metric. Cash-on-cash return accounts for your actual mortgage payment and measures the return on your invested cash. Smart investors use both. HomePilotIQ calculates and displays both metrics side by side.
Cap rate is especially useful when comparing properties across different markets or price points. A $150K property with a 9% cap rate may outperform a $500K property with a 4% cap rate — even if the dollar amounts look different. Use HomePilotIQ to compare up to 3 properties side by side.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice.
AI-Powered Real Estate Investment Intelligence
Know exactly how much money a rental property puts in your pocket every month
Cash flow is the money left over after all expenses are paid from your rental income. It's the most important number for buy-and-hold real estate investors. Positive cash flow means the property pays you every month. Negative cash flow means you're subsidizing the property out of pocket.
HomePilotIQ's cash flow calculator accounts for every expense — mortgage, taxes, insurance, HOA, maintenance, vacancy, and property management — so you get an accurate picture of your real monthly income before you buy.
Monthly Cash Flow = Monthly Rent − (Mortgage + Taxes/12 + Insurance/12 + HOA + Maintenance + Vacancy + Management). Annual Cash Flow = Monthly Cash Flow × 12. HomePilotIQ calculates this instantly with your real numbers.
Negative cash flow properties drain your savings every month. Even a small loss of $200/month adds up to $2,400/year — and that's before unexpected repairs. HomePilotIQ's deal score flags negative cash flow properties as "Avoid" to protect beginner investors.
Vacancy (5–8%), maintenance (5–10%), and property management (8–12%) are the three most commonly underestimated expenses. Together they can reduce your cash flow by $300–$600/month on a typical rental. Always include them in your analysis.
Cash flow is just one part of total return. Appreciation, principal paydown, and tax benefits also contribute to wealth building. HomePilotIQ shows you all four components — monthly cash flow, equity growth, principal paydown, and 5-year total wealth projection.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice.
AI-Powered Real Estate Investment Intelligence
Analyze BRRRR deals and model your refinance scenario to maximize returns
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's one of the most powerful wealth-building strategies in real estate investing. The goal is to buy a distressed property below market value, renovate it to increase its value, rent it out for cash flow, then refinance to pull out your invested capital — and repeat the process with the same money.
HomePilotIQ's BRRRR calculator helps you model the full deal: initial purchase, rehab costs, after-repair value (ARV), refinance scenario, cash-out amount, and post-refinance cash flow — so you know exactly whether a BRRRR deal works before you commit.
Find a distressed property below market value. Add your purchase price and estimated rehab costs. The goal is to buy + rehab for 75–80% of the after-repair value (ARV). HomePilotIQ's Scenario Mode lets you model different purchase prices and repair budgets.
After rehab, rent the property to generate cash flow. Enter your expected monthly rent and all operating expenses. HomePilotIQ calculates your pre-refinance cash flow, cap rate, and NOI — the foundation of your BRRRR deal analysis.
Use HomePilotIQ's "What if rates drop?" and Scenario Mode to model your refinance. Enter the new loan amount (typically 75% of ARV), new interest rate, and new loan term. See exactly how your cash flow changes post-refinance and how much capital you can pull out.
The power of BRRRR is recycling your capital. If you pull out 100% of your invested cash in the refinance, you've acquired a cash-flowing rental property with none of your own money left in the deal. HomePilotIQ tracks your portfolio equity and wealth growth across all properties.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice.
AI-Powered Real Estate Investment Intelligence
Analyze any real estate investment deal in minutes — cash flow, ROI, cap rate, and HomePilot Score
A real estate deal analyzer is a tool that helps investors quickly evaluate whether a property is worth buying. It takes your purchase price, financing terms, rental income, and operating expenses — and outputs the key metrics that determine deal quality: cash flow, cap rate, cash-on-cash return, NOI, and a clear Buy, Maybe, or Avoid recommendation.
HomePilotIQ is an AI-powered real estate deal analyzer built for both beginner and experienced investors. It goes beyond basic calculations to provide 5-year wealth projections, interest rate sensitivity analysis, scenario modeling, and portfolio-level intelligence — all in one platform.
Enter your property details — purchase price, down payment, interest rate, rent, and expenses — and HomePilotIQ instantly calculates every metric you need. No spreadsheets, no formulas, no guesswork. Just clear, actionable investment intelligence.
HomePilotIQ's HomePilot Score evaluates every property as Buy, Maybe, or Avoid based on cash flow and cash-on-cash return thresholds. You get a plain-English explanation of why a deal scores the way it does — perfect for beginner investors learning the fundamentals.
Beyond today's numbers, HomePilotIQ projects your 5-year equity growth, principal paydown, and total wealth gain. See the full picture: monthly cash flow + appreciation + debt paydown = total return on investment over time.
Save unlimited deals to your portfolio, compare up to 3 properties side by side with the Portfolio Intelligence Comparison Tool, export PDF reports, and share deals with your realtor or partner — all from one platform.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice.
AI-Powered Real Estate Investment Intelligence
Calculate ROI, cash flow, cap rate, and 5-year wealth projections for any investment property
An investment property calculator helps real estate investors evaluate the financial performance of income-producing properties. It combines purchase price, financing, rental income, and operating expenses to produce the metrics that matter most: cash flow, cap rate, cash-on-cash return, and long-term wealth projections.
HomePilotIQ is a comprehensive investment property calculator and AI-powered deal intelligence platform. Whether you're analyzing your first rental property or building a multi-property portfolio, HomePilotIQ gives you the data-driven insights to make smarter investment decisions.
HomePilotIQ currently supports single-family rentals, small multifamily (2–4 units), and residential investment properties. Commercial analytics for multifamily, mixed-use, retail, office, self-storage, and assisted living are coming soon.
Smart investors evaluate all four return drivers: (1) Cash Flow — monthly income after expenses, (2) Appreciation — property value growth over time, (3) Principal Paydown — equity built as tenants pay your mortgage, (4) Tax Benefits — depreciation and deductions. HomePilotIQ quantifies all four.
Beyond single-property analysis, HomePilotIQ's Portfolio Dashboard aggregates all your saved properties to show total portfolio value, total equity, combined cash flow, average cap rate, and 5-year portfolio wealth projection — giving you a complete view of your investment portfolio.
What if you put 10% down instead of 25%? What if rent increases by $200/month? What if you refinance in 2 years? HomePilotIQ's Scenario Mode lets you model multiple scenarios side by side so you can optimize your investment strategy before committing capital.
HomePilotIQ provides informational and educational investment analysis tools only and does not constitute financial or investment advice.
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