Terms of Use

These terms cover your use of SFRCalc's calculators, articles, and other pages (together, the "site"). By using the site, you're agreeing to them. If you don't agree, please don't use the site.

What SFRCalc is — and isn't

SFRCalc provides free, self-service calculators and educational articles about property investment math, plus an optional free account for saving properties you are analyzing. That's the whole service.

SFRCalc is not a real estate broker, property manager, leasing agent, lender, mortgage broker, insurance agent, financial advisor, accountant, or attorney. We don't manage, lease, list, finance, insure, or take any ownership interest in any property. We don't act on your behalf in any transaction, and nothing on this site should be read as us doing so.

Not professional advice

Everything on this site — every calculator result, every article — is educational and informational only. It is not financial, investment, legal, tax, or accounting advice, and it's not a substitute for advice from a licensed professional who knows your specific situation. Before making a financial or investment decision, verify the numbers independently and talk to a qualified professional — a CPA, attorney, lender, or financial advisor, as appropriate.

No warranty on accuracy

The calculators are built to be useful, and we try to keep the math right. But they rely on assumptions, simplifications, and whatever figures you enter — and like any software, they can have bugs. We make no warranty, express or implied, that any calculator result, article, or other content on this site is accurate, complete, or current. Everything is provided "as is" and "as available," without warranties of any kind. The formulas and assumptions behind each calculator are written out on the methodology page.

Your responsibility

• You're responsible for the numbers you enter and for independently verifying any result before relying on it.
• Real estate, financing, tax, and insurance decisions carry real financial risk. Any decision you make based on this site is your own.
• Market conditions, loan terms, tax rules, and insurance costs change — a calculator result reflects only what you entered and the assumptions built into it at that moment.

Accounts and the properties you save

An account is optional and free. Everything on this site — every calculator, every article — works without one; an account only adds somewhere to keep the properties you are working on.

You are responsible for keeping your sign-in details to yourself and for anything done through your account. Tell us if you think someone else has got into it.

The addresses, scenario names and figures you save stay yours. We do not claim any ownership of them, we do not sell them, and we do not share them with advertisers. We store them so the feature works, and we access an individual account's data only where we have to in order to fix a fault you have told us about. The privacy policy sets out exactly what is stored.

You can delete any saved scenario or property at any time, and the saved properties page has a button that deletes your whole account — immediately and permanently, with no way for us to bring it back. Don't use that button unless you mean it.

A free account saves up to five properties, with as many scenarios on each as you like. We may change that limit, and if we introduce paid tiers the free tier will keep a usable allowance; we are not going to lock up properties you have already saved behind a new charge without telling you first and giving you a way to export or remove them.

Fair use

Please don't create accounts automatically, scrape the site, hammer it with automated requests, try to get at other people's accounts or data, or use the site to break the law. We can suspend or close an account that does any of that, or that is being used in a way that threatens the service for everyone else. Where it is reasonable to do so we will tell you first.

We may also change, suspend or discontinue any part of the site, including accounts. If we were to shut the account feature down, we would give reasonable notice and a way to get your saved data out first.

Limitation of liability

To the fullest extent permitted by law, SFRCalc and its owner(s) are not liable for any loss, damage, or claim — direct, indirect, incidental, or consequential — arising from your use of this site or reliance on anything it produces, including but not limited to financial losses from a real estate or investment decision. This applies whether the claim is based on warranty, contract, tort, or any other legal theory.

Third-party links and content

This site may link to third-party lenders, insurers, tools, or other resources, some of which are affiliate links (see our advertising & affiliate disclosure). We don't control and aren't responsible for the content, accuracy, or practices of any third-party site.

Intellectual property

The text, design, and calculator logic on this site belong to SFRCalc unless otherwise noted. You're welcome to link to the site or reference it, but please don't copy the calculators or articles wholesale without asking first.

Changes to these terms

We may update these terms from time to time as the site changes. The "last updated" date above reflects the most recent revision. Continuing to use the site after a change means you accept the updated terms.

Governing law

These terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law principles.

Questions about these terms? Contact us.