Are you holding too little cash, or too much?
Estimate the potential cost of being under-reserved and the opportunity cost of holding excess reserve capital.
Cash you hold today for CapEx.
An estimate you provide. FiveFourThree validates it inside the app using your property data.
Cost to finance a shortfall if a replacement arrives before you have the cash.
What your reserve cash earns while it sits.
What excess cash could earn elsewhere or save on debt.
Extra cost of rushed or poorly timed work.
This measures the incremental cost of insufficient liquidity. The underlying repair exists regardless and is counted separately.
- Emergency financing
- Rushed repairs
- Deferred work
- Potential lost rent
- Sufficient liquidity
- Better decision timing
- Fewer forced funding events
- Capital stays productive
- Idle cash
- Reduced acquisition capacity
- Slower debt reduction
- Opportunity cost
The cost of being under-reserved vs over-reserved
Under-reserved investors do not lose money simply because a roof or HVAC system eventually requires replacement. The replacement cost exists regardless. The incremental cost comes from lacking enough liquidity when the expense arrives: financing interest, rush pricing, deferred work, vacancy, lost rent, and poor timing.
Holding more cash than the portfolio reasonably requires can also have a cost. Excess reserves may earn less than alternative investments, delay acquisitions, prevent debt reduction, and lower overall capital efficiency.
Now calculate this using your actual property.
A calculator shows the concept. Your property determines the number. FiveFourThree uses your system data, inspection reports, and service history to model a reserve target specific to what you own.
Add the reserve calculator to your site
Copy this snippet and paste it into any page. The calculator loads without FiveFourThree navigation and links readers to a free property outlook.
<iframe src="https://capex-guard-pro.base44.app/embed/reserve-calculator" width="100%" height="760" style="border:0;border-radius:12px" title="FiveFourThree Reserve Calculator"></iframe>
Optional prefill params: ?sqft=1800&year_built=1995&property_type=single_family.
This calculator is for educational purposes only. Results are estimates based on user-provided assumptions and are not financial, investment, tax, lending, or legal advice. Actual capital needs and investment returns may differ.