real_estate_finance 0.1.0

checksums.yaml

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data/.gitignore

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+/.bundle/
+/.yardoc
+/Gemfile.lock
+/_yardoc/
+/coverage/
+/doc/
+/pkg/
+/spec/reports/
+/tmp/

data/.travis.yml

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+sudo: false
+language: ruby
+rvm:
+  - 2.4.1
+before_install: gem install bundler -v 1.13.7

data/Gemfile

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+source 'https://rubygems.org'
+
+# Specify your gem's dependencies in real_estate_finance.gemspec
+gemspec

data/Guardfile

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+# A sample Guardfile
+# More info at https://github.com/guard/guard#readme
+
+## Uncomment and set this to only include directories you want to watch
+# directories %w(app lib config test spec features) \
+#  .select{|d| Dir.exists?(d) ? d : UI.warning("Directory #{d} does not exist")}
+
+## Note: if you are using the `directories` clause above and you are not
+## watching the project directory ('.'), then you will want to move
+## the Guardfile to a watched dir and symlink it back, e.g.
+#
+#  $ mkdir config
+#  $ mv Guardfile config/
+#  $ ln -s config/Guardfile .
+#
+# and, you'll have to watch "config/Guardfile" instead of "Guardfile"
+
+guard 'livereload' do
+  extensions = {
+    css: :css,
+    scss: :css,
+    sass: :css,
+    js: :js,
+    coffee: :js,
+    html: :html,
+    png: :png,
+    gif: :gif,
+    jpg: :jpg,
+    jpeg: :jpeg,
+    # less: :less, # uncomment if you want LESS stylesheets done in browser
+  }
+
+  rails_view_exts = %w(erb haml slim)
+
+  # file types LiveReload may optimize refresh for
+  compiled_exts = extensions.values.uniq
+  watch(%r{public/.+\.(#{compiled_exts * '|'})})
+
+  extensions.each do |ext, type|
+    watch(%r{
+          (?:app|vendor)
+          (?:/assets/\w+/(?<path>[^.]+) # path+base without extension
+           (?<ext>\.#{ext})) # matching extension (must be first encountered)
+          (?:\.\w+|$) # other extensions
+          }x) do |m|
+      path = m[1]
+      "/assets/#{path}.#{type}"
+    end
+  end
+
+  # file needing a full reload of the page anyway
+  watch(%r{app/views/.+\.(#{rails_view_exts * '|'})$})
+  watch(%r{app/helpers/.+\.rb})
+  watch(%r{config/locales/.+\.yml})
+end
+
+# Note: The cmd option is now required due to the increasing number of ways
+#       rspec may be run, below are examples of the most common uses.
+#  * bundler: 'bundle exec rspec'
+#  * bundler binstubs: 'bin/rspec'
+#  * spring: 'bin/rspec' (This will use spring if running and you have
+#                          installed the spring binstubs per the docs)
+#  * zeus: 'zeus rspec' (requires the server to be started separately)
+#  * 'just' rspec: 'rspec'
+
+guard :rspec, cmd: "bundle exec rspec" do
+  require "guard/rspec/dsl"
+  dsl = Guard::RSpec::Dsl.new(self)
+
+  # Feel free to open issues for suggestions and improvements
+
+  # RSpec files
+  rspec = dsl.rspec
+  watch(rspec.spec_helper) { rspec.spec_dir }
+  watch(rspec.spec_support) { rspec.spec_dir }
+  watch(rspec.spec_files)
+
+  # Ruby files
+  ruby = dsl.ruby
+  dsl.watch_spec_files_for(ruby.lib_files)
+
+  # Rails files
+  rails = dsl.rails(view_extensions: %w(erb haml slim))
+  dsl.watch_spec_files_for(rails.app_files)
+  dsl.watch_spec_files_for(rails.views)
+
+  watch(rails.controllers) do |m|
+    [
+      rspec.spec.call("routing/#{m[1]}_routing"),
+      rspec.spec.call("controllers/#{m[1]}_controller"),
+      rspec.spec.call("acceptance/#{m[1]}")
+    ]
+  end
+
+  # Rails config changes
+  watch(rails.spec_helper)     { rspec.spec_dir }
+  watch(rails.routes)          { "#{rspec.spec_dir}/routing" }
+  watch(rails.app_controller)  { "#{rspec.spec_dir}/controllers" }
+
+  # Capybara features specs
+  watch(rails.view_dirs)     { |m| rspec.spec.call("features/#{m[1]}") }
+  watch(rails.layouts)       { |m| rspec.spec.call("features/#{m[1]}") }
+
+  # Turnip features and steps
+  watch(%r{^spec/acceptance/(.+)\.feature$})
+  watch(%r{^spec/acceptance/steps/(.+)_steps\.rb$}) do |m|
+    Dir[File.join("**/#{m[1]}.feature")][0] || "spec/acceptance"
+  end
+end

data/LICENSE.txt

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+The MIT License (MIT)
+
+Copyright (c) 2017 Alexander Aleksanyan
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in
+all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN
+THE SOFTWARE.

data/README.md

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+# RealEstateFinance
+
+## Installation
+
+Add this line to your application's Gemfile:
+
+```ruby
+gem 'real_estate_finance'
+```
+
+And then execute:
+
+    $ bundle
+
+Or install it yourself as:
+
+    $ gem install real_estate_finance
+
+## Usage
+
+## Functions Available
+
+- All inputs are meant to be in their specifc order listed below and all inputs are meant to be Numbers, not Strings or Floats!
+
+- Most outputs are Floats...
+
+<hr/>
+
+- gross_potential_income
+    <code>
+        RealEstateFinance::GrossPotentialIncome.new(monthly_income).gross_potential_income
+    </code>
+
+- net_operating_income
+    <code>
+        RealEstateFinance::NetOperatingIncome.new(
+          monthly_income,
+          vacancies,
+          non_payments,
+          taxes,
+          mortgage_interest,
+          marketing,
+          advertising,
+          management,
+          legal,
+          accounting,
+          utilities,
+          repairs,
+          maintenance,
+          acquisition,
+          sale_costs
+        ).net_operating_income
+    </code>
+
+
+- gross_rental_multiplier
+    <code>
+        RealEstateFinance::GrossRentalMultiplier.new(
+          marketValue, 
+          monthly_income
+        ).gross_rental_multiplier
+    </code>
+
+- estimated_property_value_from_grm
+    <code>
+        RealEstateFinance::EstimatedPropertyValueFromGRM.new(
+          market_value, 
+          monthly_income
+        ).estimated_property_value_from_grm
+    </code>
+
+- gross_operating_income
+    <code>
+        RealEstateFinance::GrossOperatingIncome.new(
+          monthly_income, 
+          estimated_loss_percentage
+        ).gross_operating_income
+    </code>
+
+- capitalization_rate
+    <code>
+        RealEstateFinance::CapitalizationRate.new(
+          monthly_income,
+          vacancies,
+          non_payments,
+          taxes,
+          marketing,
+          advertising,
+          management,
+          legal,
+          accouting,
+          utilities,
+          repairs,
+          maintenance,
+          acquisition,
+          sale_costs,
+          sale_earned
+        ).capitalization_rate
+    </code>
+
+- estimated_property_value_from_cap_rate
+    <code>
+        RealEstateFinance::EstimatedPropertyValueFromCapRate.new(
+            monthly_income,
+            vacancies,
+            non_payments,
+            taxes,
+            mortgage_interest,
+            marketing,
+            advertising,
+            management,
+            legal,
+            accounting,
+            utilities,
+            repairs,
+            maintenance,
+            acquisition,
+            sale_costs,
+            sale_earned
+        ).estimated_property_value_from_cap_rate
+    </code>
+
+
+- cash_flow_before_taxes
+    <code>
+        RealEstateFinance::CashFlowBeforeTaxes.new(
+          monthly_income,
+          vacancies,
+          non_payments,
+          taxes,
+          mortgage_interest,
+          marketing,
+          advertising,
+          management,
+          legal,
+          accounting,
+          utilities,
+          repairs,
+          maintenance,
+          acquisition,
+          sale_costs,
+          interest_rate,
+          loan_principle,
+          capital_expenditures,
+          capital_expenditure_loans,
+          earned_interest
+        ).cash_flow_before_taxes
+    </code>
+
+
+- cash_flow_after_taxes
+    <code>
+        RealEstateFinance::CashFlowAfterTaxes.new(
+          monthly_income,
+          vacancies,
+          non_payments,
+          taxes,
+          mortgage_interest,
+          marketing,
+          advertising,
+          management,
+          legal,
+          accounting,
+          utilities,
+          repairs,
+          maintenance,
+          acquisition,
+          sale_costs,
+          interest_rate,
+          loan_principle,
+          capital_expenditures,
+          capital_expenditure_loans,
+          earned_interest,
+          state_income_tax,
+          federal_income_tax
+        ).cash_flow_after_taxes
+    </code>
+
+
+- break_even_ratio
+    <code>
+        RealEstateFinance::BreakEvenRatio.new(
+          interest_rate,
+          loan_principle,
+          marketing,
+          advertising,
+          management,
+          legal,
+          accounting,
+          utilities,
+          repairs,
+          maintenance,
+          monthly_income, 
+          estimated_loss_percentage
+        ).break_even_ratio
+    </code>
+
+
+- return_on_equity
+    <code>
+        RealEstateFinance::ReturnOnEquity.new(
+            monthly_income,
+            vacancies,
+            non_payments,
+            taxes,
+            mortgage_interest,
+            marketing,
+            advertising,
+            management,
+            legal,
+            accounting,
+            utilities,
+            repairs,
+            maintenance,
+            acquisition,
+            sale_costs,
+            interest_rate,
+            loan_principle,
+            capital_expenditures,
+            capital_expenditure_loans,
+            earned_interest,
+            state_income_tax,
+            federal_income_tax,
+            principle_invested
+        ).return_on_equity
+    </code>
+
+## Development
+
+After checking out the repo, run `bin/setup` to install dependencies. Then, run `rake spec` to run the tests. You can also run `bin/console` for an interactive prompt that will allow you to experiment.
+
+To install this gem onto your local machine, run `bundle exec rake install`. To release a new version, update the version number in `version.rb`, and then run `bundle exec rake release`, which will create a git tag for the version, push git commits and tags, and push the `.gem` file to [rubygems.org](https://rubygems.org).
+
+## Contributing
+
+Bug reports and pull requests are welcome on GitHub at https://github.com/[USERNAME]/real_estate_finance.
+
+
+## License
+
+The gem is available as open source under the terms of the [MIT License](http://opensource.org/licenses/MIT).
+

data/Rakefile

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+require "bundler/gem_tasks"
+require "rspec/core/rake_task"
+
+RSpec::Core::RakeTask.new(:spec)
+
+task :default => :spec

data/bin/console

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+#!/usr/bin/env ruby
+
+require "bundler/setup"
+require "real_estate_finance"
+
+# You can add fixtures and/or initialization code here to make experimenting
+# with your gem easier. You can also use a different console, if you like.
+
+# (If you use this, don't forget to add pry to your Gemfile!)
+# require "pry"
+# Pry.start
+
+require "irb"
+IRB.start

data/bin/setup

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+#!/usr/bin/env bash
+set -euo pipefail
+IFS=$'\n\t'
+set -vx
+
+bundle install
+
+# Do any other automated setup that you need to do here

data/lib/real_estate_finance.rb

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+require "real_estate_finance/version"
+
+module RealEstateFinance
+  require_relative "real_estate_finance/gross_potential_income"
+  require_relative "real_estate_finance/net_operating_income"
+  require_relative "real_estate_finance/gross_rental_multiplier"
+  require_relative "real_estate_finance/estimated_property_value_from_grm"
+  require_relative "real_estate_finance/gross_operating_income"
+  require_relative "real_estate_finance/capitalization_rate"
+  require_relative "real_estate_finance/estimated_property_value_from_cap_rate"
+  require_relative "real_estate_finance/cash_flow_before_taxes"
+  require_relative "real_estate_finance/cash_flow_after_taxes"
+  require_relative "real_estate_finance/break_even_ratio"
+  require_relative "real_estate_finance/return_on_equity"
+end

data/lib/real_estate_finance/break_even_ratio.rb

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+module RealEstateFinance
+  class BreakEvenRatio
+
+    attr_reader :interest_rate, :loan_principle, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :monthly_income, :estimated_loss_percentage
+
+    def initialize(interest_rate, loan_principle, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, monthly_income, estimated_loss_percentage)
+      @interest_rate = interest_rate
+      @loan_principle = loan_principle
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @monthly_income = monthly_income
+      @estimated_loss_percentage = estimated_loss_percentage
+    end
+
+    def break_even_ratio
+      interest_rate_formatted = sprintf("%0.02f", @interest_rate / (100)).to_f
+      interest_dollar_amount = sprintf("%0.02f", (interest_rate_formatted * @loan_principle) + @loan_principle).to_f
+
+      credit_losses = [@marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance]
+      operating_expenses = credit_losses.reduce(:+)
+
+      total_expenses = sprintf("%0.02f", (interest_dollar_amount + operating_expenses)).to_f
+
+      agi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      loss_percentage = sprintf("%0.02f", @estimated_loss_percentage.to_i / (100.to_f)).to_f
+
+      goi = sprintf("%0.02f", (agi * loss_percentage)).to_f
+
+      ber = sprintf("%0.02f", (total_expenses / (goi))).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/capitalization_rate.rb

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+module RealEstateFinance
+  class CapitalizationRate
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs, :sale_earned
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs, sale_earned)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+      @sale_earned = sale_earned
+    end
+
+    def capitalization_rate
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+      cap_rate = sprintf("%0.03f", (noi/(@sale_earned))).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/cash_flow_after_taxes.rb

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+module RealEstateFinance
+  class CashFlowAfterTaxes
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs, :interest_rate, :loan_principle, :capital_expenditures, :capital_expenditure_loans, :earned_interest, :state_income_tax, :federal_income_tax
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs, interest_rate, loan_principle, capital_expenditures, capital_expenditure_loans, earned_interest, state_income_tax, federal_income_tax)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+      @interest_rate = interest_rate
+      @loan_principle = loan_principle
+      @capital_expenditures = capital_expenditures
+      @capital_expenditure_loans = capital_expenditure_loans
+      @earned_interest = earned_interest
+      @state_income_tax = state_income_tax
+      @federal_income_tax = federal_income_tax
+    end
+
+    def cash_flow_after_taxes
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+
+      credit_losses = [@capital_expenditure_loans, @capital_expenditures, sprintf("%0.02f", (@interest_rate / (100))).to_f, @loan_principle]
+      credit_surpluses = @earned_interest
+      cfbt = sprintf("%0.02f", ((noi - credit_losses.reduce(:+)) + credit_surpluses)).to_f
+      cfat = sprintf("%0.02f", (cfbt - sprintf("%0.02f", (@state_income_tax + @federal_income_tax)).to_f)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/cash_flow_before_taxes.rb

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+module RealEstateFinance
+  class CashFlowBeforeTaxes
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs, :interest_rate, :loan_principle, :capital_expenditures, :capital_expenditure_loans, :earned_interest
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs, interest_rate, loan_principle, capital_expenditures, capital_expenditure_loans, earned_interest)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+      @interest_rate = interest_rate
+      @loan_principle = loan_principle
+      @capital_expenditures = capital_expenditures
+      @capital_expenditure_loans = capital_expenditure_loans
+      @earned_interest = earned_interest
+    end
+
+    def cash_flow_before_taxes
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+
+      credit_losses = [@capital_expenditure_loans, @capital_expenditures, sprintf("%0.02f", (@interest_rate / (100))).to_f, @loan_principle]
+      credit_surpluses = @earned_interest
+      cfbt = sprintf("%0.02f", ((noi - credit_losses.reduce(:+)) + credit_surpluses)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/estimated_property_value_from_cap_rate.rb

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+module RealEstateFinance
+  class EstimatedPropertyValueFromCapRate
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs, :sale_earned
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs, sale_earned)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+      @sale_earned = sale_earned
+    end
+
+    def estimated_property_value_from_cap_rate
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+      cap_rate = sprintf("%0.03f", (noi/(@sale_earned))).to_f
+      estimated_value = sprintf("%0.02f", (noi / (cap_rate))).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/estimated_property_value_from_grm.rb

@@ -0,0 +1,19 @@
+module RealEstateFinance
+  class EstimatedPropertyValueFromGRM
+
+    attr_reader :market_value, :monthly_income
+
+    def initialize(market_value, monthly_income)
+      @market_value = market_value
+      @monthly_income = monthly_income
+    end
+
+    def estimated_property_value_from_grm
+      annual_gross_potential_income = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      calculation = @market_value.to_i / (annual_gross_potential_income)
+      grm = sprintf("%0.03f", calculation).to_f
+      property_value_by_grm = sprintf("%0.02f", (grm * annual_gross_potential_income)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/gross_operating_income.rb

@@ -0,0 +1,18 @@
+module RealEstateFinance
+  class GrossOperatingIncome
+
+    attr_reader :monthly_income, :estimated_loss_percentage
+
+    def initialize(monthly_income, estimated_loss_percentage)
+      @monthly_income = monthly_income
+      @estimated_loss_percentage = estimated_loss_percentage
+    end
+
+    def gross_operating_income
+      agi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      loss_percentage = sprintf("%0.02f", @estimated_loss_percentage.to_i / (100.to_f)).to_f
+      estimated_loss = sprintf("%0.02f", (agi * loss_percentage)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/gross_potential_income.rb

@@ -0,0 +1,15 @@
+module RealEstateFinance
+  class GrossPotentialIncome
+
+    attr_reader :monthly_income
+
+    def initialize(monthly_income)
+      @monthly_income = monthly_income
+    end
+
+    def gross_potential_income
+      sprintf("%0.02f", (@monthly_income * 12)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/gross_rental_multiplier.rb

@@ -0,0 +1,18 @@
+module RealEstateFinance
+  class GrossRentalMultiplier
+
+    attr_reader :market_value, :monthly_income
+
+    def initialize(market_value, monthly_income)
+      @market_value = market_value
+      @monthly_income = monthly_income
+    end
+
+    def gross_rental_multiplier
+      annual_gross_potential_income = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      calculation = @market_value.to_i / (annual_gross_potential_income)
+      sprintf("%0.03f", calculation).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/net_operating_income.rb

@@ -0,0 +1,33 @@
+module RealEstateFinance
+  class NetOperatingIncome
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+    end
+
+    def net_operating_income
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+    end
+
+  end
+end

data/lib/real_estate_finance/return_on_equity.rb

@@ -0,0 +1,47 @@
+module RealEstateFinance
+  class ReturnOnEquity
+
+    attr_reader :monthly_income, :vacancies, :non_payments, :taxes, :mortgage_interest, :marketing, :advertising, :management, :legal, :accounting, :utilities, :repairs, :maintenance, :acquisition, :sale_costs, :interest_rate, :loan_principle, :capital_expenditures, :capital_expenditure_loans, :earned_interest, :state_income_tax, :federal_income_tax, :principle_invested
+
+    def initialize(monthly_income, vacancies, non_payments, taxes, mortgage_interest, marketing, advertising, management, legal, accounting, utilities, repairs, maintenance, acquisition, sale_costs, interest_rate, loan_principle, capital_expenditures, capital_expenditure_loans, earned_interest, state_income_tax, federal_income_tax, principle_invested)
+      @monthly_income = monthly_income
+      @vacancies = vacancies
+      @non_payments = non_payments
+      @taxes = taxes
+      @mortgage_interest = mortgage_interest
+      @marketing = marketing
+      @advertising = advertising
+      @management = management
+      @legal = legal
+      @accounting = accounting
+      @utilities = utilities
+      @repairs = repairs
+      @maintenance = maintenance
+      @acquisition = acquisition
+      @sale_costs = sale_costs
+      @interest_rate = interest_rate
+      @loan_principle = loan_principle
+      @capital_expenditures = capital_expenditures
+      @capital_expenditure_loans = capital_expenditure_loans
+      @earned_interest = earned_interest
+      @state_income_tax = state_income_tax
+      @federal_income_tax = federal_income_tax
+      @principle_invested = principle_invested
+    end
+
+    def return_on_equity
+      gpi = sprintf("%0.02f", (@monthly_income * 12)).to_f
+      credit_losses = [@vacancies, @non_payments, @taxes, @mortgage_interest, @marketing, @advertising, @management, @legal, @accounting, @utilities, @repairs, @maintenance, @acquisition, @sale_costs]
+      total_expenses = credit_losses.reduce(:+)
+      expenses = sprintf("%0.02f", total_expenses).to_f
+      noi = gpi - expenses
+
+      credit_losses = [@capital_expenditure_loans, @capital_expenditures, sprintf("%0.02f", (@interest_rate / (100))).to_f, @loan_principle]
+      credit_surpluses = @earned_interest
+      cfbt = sprintf("%0.02f", ((noi - credit_losses.reduce(:+)) + credit_surpluses)).to_f
+      cfat = sprintf("%0.02f", (cfbt - sprintf("%0.02f", (@state_income_tax + @federal_income_tax)).to_f)).to_f
+      roq = sprintf("%0.02f", (cfat + @principle_invested)).to_f
+    end
+
+  end
+end

data/lib/real_estate_finance/version.rb

@@ -0,0 +1,3 @@
+module RealEstateFinance
+  VERSION = "0.1.0"
+end

data/real_estate_finance.gemspec

@@ -0,0 +1,38 @@
+# coding: utf-8
+lib = File.expand_path('../lib', __FILE__)
+$LOAD_PATH.unshift(lib) unless $LOAD_PATH.include?(lib)
+require 'real_estate_finance/version'
+
+Gem::Specification.new do |spec|
+  spec.name          = "real_estate_finance"
+  spec.version       = RealEstateFinance::VERSION
+  spec.authors       = ["Alexander Aleksanyan"]
+  spec.email         = ["alex1100.software@gmail.com"]
+
+  spec.summary       = %q{Real Estate Finance Formulas/Calculations right out of the box.}
+  spec.description   = %q{Real Estate Finance Formulas/Calculations right out of the box.}
+  spec.homepage      = "https://github.com/Alex1100/real_estate_finance"
+  spec.license       = "MIT"
+
+  # Prevent pushing this gem to RubyGems.org. To allow pushes either set the 'allowed_push_host'
+  # to allow pushing to a single host or delete this section to allow pushing to any host.
+  # if spec.respond_to?(:metadata)
+  #   spec.metadata['allowed_push_host'] = "TODO: Set to 'http://mygemserver.com'"
+  # else
+  #   raise "RubyGems 2.0 or newer is required to protect against " \
+  #     "public gem pushes."
+  # end
+
+  spec.files         = `git ls-files -z`.split("\x0").reject do |f|
+    f.match(%r{^(test|spec|features)/})
+  end
+  spec.bindir        = "exe"
+  spec.executables   = spec.files.grep(%r{^exe/}) { |f| File.basename(f) }
+  spec.require_paths = ["lib"]
+
+  spec.add_development_dependency "bundler", "~> 1.13"
+  spec.add_development_dependency "rake", "~> 10.0"
+  spec.add_development_dependency "rspec", "~> 3.0"
+  spec.add_development_dependency "guard"
+  spec.add_development_dependency "guard-rspec"
+end

metadata

@@ -0,0 +1,137 @@
+--- !ruby/object:Gem::Specification
+name: real_estate_finance
+version: !ruby/object:Gem::Version
+  version: 0.1.0
+platform: ruby
+authors:
+- Alexander Aleksanyan
+autorequire: 
+bindir: exe
+cert_chain: []
+date: 2017-10-22 00:00:00.000000000 Z
+dependencies:
+- !ruby/object:Gem::Dependency
+  name: bundler
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '1.13'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '1.13'
+- !ruby/object:Gem::Dependency
+  name: rake
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '10.0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '10.0'
+- !ruby/object:Gem::Dependency
+  name: rspec
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '3.0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - "~>"
+      - !ruby/object:Gem::Version
+        version: '3.0'
+- !ruby/object:Gem::Dependency
+  name: guard
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+- !ruby/object:Gem::Dependency
+  name: guard-rspec
+  requirement: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+  type: :development
+  prerelease: false
+  version_requirements: !ruby/object:Gem::Requirement
+    requirements:
+    - - ">="
+      - !ruby/object:Gem::Version
+        version: '0'
+description: Real Estate Finance Formulas/Calculations right out of the box.
+email:
+- alex1100.software@gmail.com
+executables: []
+extensions: []
+extra_rdoc_files: []
+files:
+- ".gitignore"
+- ".travis.yml"
+- Gemfile
+- Guardfile
+- LICENSE.txt
+- README.md
+- Rakefile
+- bin/console
+- bin/setup
+- lib/real_estate_finance.rb
+- lib/real_estate_finance/break_even_ratio.rb
+- lib/real_estate_finance/capitalization_rate.rb
+- lib/real_estate_finance/cash_flow_after_taxes.rb
+- lib/real_estate_finance/cash_flow_before_taxes.rb
+- lib/real_estate_finance/estimated_property_value_from_cap_rate.rb
+- lib/real_estate_finance/estimated_property_value_from_grm.rb
+- lib/real_estate_finance/gross_operating_income.rb
+- lib/real_estate_finance/gross_potential_income.rb
+- lib/real_estate_finance/gross_rental_multiplier.rb
+- lib/real_estate_finance/net_operating_income.rb
+- lib/real_estate_finance/return_on_equity.rb
+- lib/real_estate_finance/version.rb
+- real_estate_finance.gemspec
+homepage: https://github.com/Alex1100/real_estate_finance
+licenses:
+- MIT
+metadata: {}
+post_install_message: 
+rdoc_options: []
+require_paths:
+- lib
+required_ruby_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+required_rubygems_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+requirements: []
+rubyforge_project: 
+rubygems_version: 2.6.12
+signing_key: 
+specification_version: 4
+summary: Real Estate Finance Formulas/Calculations right out of the box.
+test_files: []