Rental Property Calculator
Plug in purchase, loan, rent, vacancy, taxes, insurance, reserves, HOA, and management to see back-of-napkin cash flow and common return metrics. Results are illustrative and do not replace underwriting, appraisals, or tax advice.
Calculator
Basic Inputs
Enter purchase, financing, and rent to estimate monthly cash flow and key rental-property return metrics.
Advanced Inputs (Optional)
Expenses & Assumptions
Property tax and insurance are annual totals. Maintenance is % of purchase price per year (reserve-style).
ROI Summary
Cap rate uses annual NOI before debt service divided by purchase price. Cash-on-cash is pre-tax cash flow divided by cash invested (down + closing). Total annual return adds estimated year-one loan principal paydown to cash flow, then divides by cash invested, illustrative, not a sale IRR.
Monthly cash flow
-$643
Annual: -$7,715
Cap rate
4.54%
Cash-on-cash
-8.92%
Total annual return (est.)
-5.47%
Incl. ~year-one principal $2,981
Break-even rent (gross / mo)
$3,398
Gross rent for ~$0 cash flow after vacancy & management.
DSCR
0.69×
Loan amount
$308,000
Mortgage / mo
$2,101
Cash invested
$86,500
Operating expenses / mo
$1,059
Monthly Cash Flow Snapshot
Effective rent vs. operating + mortgage vs. net.
Operating Expense Breakdown
Monthly; mortgage excluded.
Cap Rate vs. Cash-on-Cash
Different denominators: price vs. cash invested.
Common Questions