I started investing in Real Estate 2 years ago as a buy/hold investor and I have done a couple of flips. I love using the BP calculators to analyze properties, but I have spent my cash on the 14 units acquired in the last 2 years. The returns have been great overall, but there is not enough cash flow to keep growing my portfolio at the rate I would like. 

So, do I stop buying properties? NO way! I am borrowing the down payment for my next property in the form of a "business loan" - 5 year loan at 8% interest amortized over 5 years. The payment comes out to be $405/mo, which is great, because the cash-flow of the property is $850/month! Which means my cash on cash is about 100% :) 

.....but when I use the calculator, I input all of the information, using the commercial loan (20% down, 5.25% interest, 25 yr AM), then add the $405 loan payment later as an expense. Which means that my Cash-on-Cash return is showing much lower than 100%. I can calculate this by hand, but I like to save PDF copies of the BP projections, and compare them to our actual returns. And it's annoying to have incorrect information that I have to remember to calculate by hand. 

Is there a better way to add the cost of personal loans/bridge loans/business loans used for down payments? 

Would anyone else like BP add another option to input information for a second loan?