Product questions
FAQ
Straightforward answers about Oycora’s calculators, data, projections, and reports.
Are Oycora calculators free?
Yes. The current calculator suite can be used without payment or a subscription.
Do I need an account?
No. Oycora does not currently require user accounts or provide cloud property storage.
What is the difference between quick tools and Full Analysis?
Quick tools answer a focused question. Full Analysis combines income, expenses, CapEx, financing, Year 1 results, projections, scenarios, and reporting through the flagship Rental Property Calculator.
Can Oycora see my calculator inputs or property address?
Calculator analysis runs in the browser and financial inputs are not transmitted to Oycora analytics. Property addresses are excluded from drafts, calculator transfers, analytics, URLs, and reports.
How are defaults and transferred assumptions used?
Defaults provide visible starting assumptions. Supported calculator transfers are temporary and one-time. Imported values retain their provenance until the destination user edits them, after which they become user values.
What does Projected Total Return include?
It includes cumulative pre-tax cash flow, principal paydown, and appreciation. It excludes initial equity, sale proceeds, selling costs, income taxes, and depreciation recapture. It is not annualized return, IRR, or net profit.
Why is projected equity separate from projected return?
Projected equity is modeled property value minus remaining loan balance. Total return includes principal paydown and appreciation rather than adding the entire equity balance, which would double-count initial equity.
Where can I inspect Oycora methodology?
The Methodology Center explains important definitions, formulas, classifications, assumptions, and limitations.
How do I report a suspected calculation problem?
Follow the Corrections Policy and use the Contact page with the affected route and steps needed to reproduce the concern.
Are my calculations saved?
Most simple calculators are not persisted. The flagship, House Hacking, and BRRRR calculators may keep one current input-only draft in local browser storage for up to 30 days. Addresses and derived results are excluded.
Where are named snapshots stored?
Named snapshots stay in the current browser profile. They are not automatically uploaded, backed up, or synchronized.
Will snapshots appear in another browser or on another device?
No. Export an Oycora analysis file if you need a portable backup or want to move an analysis. Clearing site data can remove local snapshots, and private browsing may not retain them.
What is the difference between a snapshot and an exported file?
A snapshot is a named version stored in this browser. An exported file is a user-controlled copy of the analysis at export time; it may contain financial assumptions and should be stored somewhere you trust.
Does Oycora upload imported analysis files?
No. Compatible Oycora files are validated, opened, and recalculated in your browser.
How do I compare analyses?
Save named snapshots or open validated Oycora analysis files, then add two to four analyses in the Comparison Workspace. Oycora does not rank or recommend a property.
How should I interpret projections?
Projections are estimates based on user-selected assumptions. They are not forecasts, guarantees, sale proceeds, tax calculations, or annualized returns.
Why might lender calculations differ?
Lenders may use different definitions, qualifying income, expense assumptions, underwriting standards, and rounding methods. Oycora does not determine approval.
What does pre-tax mean?
Pre-tax results do not model income taxes, depreciation, capital gains, depreciation recapture, or individualized tax circumstances.
Does Oycora recommend investments?
No. Oycora does not label properties as good or bad deals and does not issue buy, avoid, or investment recommendations.
Can I print or download an analysis?
The flagship Rental Property Calculator provides dedicated Print Analysis and user-initiated PDF reporting. Supporting calculators do not create PDFs.
Ready to run the numbers?
Use Oycora’s connected tools to analyze a property, evaluate financing, estimate expenses, and compare investment strategies.