How should I treat the income/debt payments for a rental property or business?

1. Keep the asset and debts included in net worth, but don't include the amount of debt payments in those balance sheet items. Doing this would keep the real estate in the clients net worth without affecting the cash flow.

   1. This use case is most common with business owners or people that view these rental properties as a business. Essentially they see these as items that operates completely separate from their personal life.

2. If you choose to include the debt payments in the Debt Rate element, you'll also want to add the net income (before debt payments). This will be a common approach for folks who have one or two properties as a personal investment.