Free real estate schedule template (schedule of real estate owned)
A real estate schedule — also called a schedule of real estate owned, or REO schedule — lists every property you own with its value, debt, and cash flow, one property at a time. Lenders request it alongside a personal financial statement whenever real estate is a meaningful part of your net worth. Download a blank REO schedule below as a PDF, an Excel workbook with live totals, or a CSV — free, no email required.
The template carries the full column set underwriters read: address, owner or entity, ownership percentage, purchase data, market value, mortgage balances and lender terms, taxes and insurance, net operating income, annual debt service, and annual cash flow — plus a portfolio summary strip for the totals a lender checks first.
What’s inside
- A portfolio summary: property count, total value, total mortgage debt, equity, debt service, NOI, and cash flow.
- Per-property detail with 22 fields — the same field list LivePFS prints on its lender-ready real estate schedule.
- Ownership columns for entity and percentage, so properties held in LLCs or partnerships report honestly.
- Income and expense rows per property: taxes, insurance, net operating income, debt service, and annual cash flow.
How to use it
- List every property you own or guarantee debt on — lenders reconcile this schedule against your credit report and mortgage statements.
- Use current market value and the current mortgage balance; equity is value minus debt, per property.
- Net operating income is rent minus operating expenses, before debt service. Annual cash flow is NOI minus annual debt service.
- For partial ownership, record the entity and your percentage rather than inventing a blended number.
- In the Excel version the Totals row computes automatically; insert extra rows above it and the sums keep covering them.
Questions, answered
What is a schedule of real estate owned?
A per-property listing of the real estate you own: value, mortgage debt, ownership, and cash flow. Lenders use it to see how leveraged your portfolio is and whether it feeds or drains your ability to service new debt.
Do I include my primary residence?
Yes — lenders expect every property, including your home. Income-related columns simply stay blank for a residence that produces no rent.
What counts as net operating income?
Rental income minus operating expenses — taxes, insurance, maintenance, management — before mortgage payments. Debt service is listed separately so the lender can compute coverage.
How do investors keep this schedule current?
Most rebuild it by hand every time a lender asks. LivePFS keeps the same schedule current automatically — properties, balances, and cash-flow figures in one statement that refreshes daily.
General information, not legal, tax, or financial advice.
A schedule that updates itself
Connect your accounts read-only, add your properties once, and LivePFS keeps the real estate schedule — values, balances, cash flow — current inside a lender-ready statement.
Invitation-only while we onboard new borrowers. $190/year once you’re in.