One line: put in rent and loan numbers → see if rent still covers EMI when months are empty (₹999 / deal). Credit context: RBI.
Price: ₹999 per deal file. Free preview shows summary and the first three years. Full pack unlocks stress numbers and print PDF after pay.
Same family as our free LRD eligibility calculator (how much you might borrow) and the Chennai LRD guide. This tool is the deal cashflow file.
Free LRD size check vs paid cashflow file
| Need | Tool | Price |
|---|---|---|
| How much might rent support? | LRD eligibility | Free |
| Year-by-year coverage + stress | LRD Cashflow Pro | ₹999 / deal |
Sign in with Google & buy
Buy is tied to the Google account you sign in with. Keep that email for re-open later. The bank still decides any loan.
Results
Preview
Formula jr-lrd-cashflow-1.0.0 · rent coverage vs EMI · bank decides
- Status
- Enter rent and loan, then Update preview.
Year table
| Year | Monthly gross | Monthly net | EMI | Coverage | Band |
|---|
Stress cases
Notes
JR Loan Advisors — LRD Cashflow Pro assumptions
JR Loan Advisors LRD Cashflow Pro: stresses rent versus EMI year-by-year (formula jr-lrd-cashflow-1.0.0). For owners and CAs checking whether rent still covers the loan when a tenant leaves. Indicative; the lender decides.
Input assumptions
- Gross rent and vacancy (empty months) entered by you — not bank-secret yields.
- Net rent after your cost cuts; optional step-ups applied per year you set.
- EMI from your loan amount, rate and tenure (reducing balance) — not a sanctioned quote.
- Three stress cases: rent down, more vacancy, rate up — illustrative bands only.
- Escrow, TDS, security-deposit haircuts and lender LTV/PV caps are not auto-applied; check the LRD Chennai owner and your sanction letter.
- Reviewed by CA Jitendraa Rathi (ICAI 217936). Tool: https://jrloanadvisors.com/tools/lrd-cashflow-pro/
How does LRD cashflow coverage work?
This paid tool stresses rent versus EMI over the lease years so you can see coverage gaps before a Chennai or Tamil Nadu LRD file goes to a bank. Formula jr-lrd-cashflow-1.0.0. Related owner page: LRD in Chennai. Published LRD eligibility example (about 85% of rent PV or 50% of value) is on the owner page — checked 28 Oct 2026. The bank decides.
What this tool is for
- Build one clean LRD / rent-discounting cashflow before the bank meeting.
- See coverage after empty months, cost cuts and rent step-ups.
- Show stress: rent down, more vacancy, rate up — without inventing bank secrets.
Written and reviewed by CA Jitendraa Rathi, Chartered Accountant (CA membership number 217936) · Ex-banker, 20 years of experience in credit and lending · LinkedInLast reviewed · Expert review: CA Jitendraa Rathi (ICAI 217936)
Frequently asked questions
What is an LRD cashflow or rent discounting calculator?
A deal worksheet for lease rental discounting. Enter rent, empty months, rent step-ups, loan, rate, years and escrow. See whether net rent covers the EMI, year by year, plus stress cases.
How is LRD Cashflow Pro different from the free LRD eligibility calculator?
The free tool estimates how much you might borrow from rent and property value. This paid tool builds the deal cashflow file: coverage, step-ups, escrow and stress.
What do I get for ₹999?
One deal file: full-year table for the tenure you enter, three stress cases (rent down, more vacancy, rate up), escrow note, banker FAQ, and a print / save PDF licensed to the Google email you signed in with.
Who is LRD Cashflow Pro for?
CFOs, HNI landlords and CAs packing an LRD or rent-discounting file — especially Tamil Nadu deals.
Does the bank still decide?
Yes. This is a preparation pack from your numbers. The bank checks the lease, tenant, title, valuation and rent account, then states its own terms.