Inputs

Property Details

$
$

Typically 20-25% of property price

%
years
$

Legal fees, inspections, title insurance

$

Initial repairs and improvements

Income & Expenses

$
$
/mo
$
/mo
$
/mo
$
/mo
$
/mo
$
/mo

Assumptions

%
%

Typical range: 5-10%

Results

Monthly Cash Flow

-$196.73

Negative Cash Flow

Cap Rate

5.60%

Cash-on-Cash Return

-3.15%

Total Cash Invested

$75K

Property Analysis

Total Monthly Income:$2,300.00
Total Monthly Expenses:$2,496.73
Monthly Mortgage Payment:$1,596.73
Net Operating Income (Annual):$16,800.00

5-Year Cash Flow Projection

YearRent IncomeCash FlowCumulative Cash Flow
1$28K-$2.4K-$2.4K
2$28K-$1.5K-$3.9K
3$29K-$680-$4.6K
4$30K$199-$4.4K
5$31K$1.1K-$3.3K

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Guide

How to Use This Calculator

  1. Enter property purchase price and financing details
  2. Input all closing costs and renovation expenses
  3. Set monthly rental income and all operating expenses
  4. Add vacancy rate and annual rent increase assumptions
  5. Review cash flow analysis and investment returns

Key Investment Metrics

  • • Cap Rate: Net operating income / Property price
  • • Cash-on-Cash: Annual cash flow / Total cash invested
  • • Total ROI: Includes appreciation and tax benefits

Rental Property Tips

  • • Factor in all expenses: taxes, insurance, maintenance, vacancy, management
  • • Conservative vacancy rate is 5-10% depending on market
  • • Consider property appreciation and tax benefits for total return
  • • Cash flow positive properties provide monthly income