ANALYSIS

What Is a Real Estate Health Score?

Updated March 2026

The Concept

A property health score is a single number (typically 0-100) that aggregates multiple performance metrics into one at-a-glance rating. Instead of checking DSCR, cap rate, cash-on-cash, LTV, and occupancy separately, a health score weights them all and gives you a grade. It's like a credit score for your rental property.

What Gets Measured

A good health score includes: DSCR (can the property cover its debt? — heaviest weight), cash-on-cash return (is your invested cash earning enough?), cap rate (is the property yielding competitively for its market?), LTV (how much equity cushion do you have?), occupancy (is it rented?), and rent-to-value ratio (is rent appropriate for the property's value?). Each component contributes to the total score.

How to Use It

The health score's main value is comparison and early warning. Compare properties in your portfolio to identify which ones are pulling their weight and which are dragging. A property scoring 45/100 while your portfolio average is 72 deserves investigation — maybe rent is below market, or expenses have crept up, or vacancy has been high. It's the starting point for a deeper dive, not the conclusion.

Where to Get One

becvio automatically calculates a health score for every property in your portfolio, updated in real time as you log income and expenses. The score breaks down into its component parts so you can see exactly which metrics are driving the grade up or down. Most spreadsheet-based investors don't have anything like this, which means underperforming properties can hide in plain sight for years.