Rental Property Calculator
Estimate the potential cash flow and returns from a rental property.
Enter the property purchase details, expected rental income and
expenses in the white box. The blue box shows your estimated
mortgage payment, expenses, cash flow and investment returns.
What to calculate next?
Suggested next step ROI Calculator →Measure the return relative to the amount invested.
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How the rental property calculator works
This calculator estimates the potential monthly and annual cash flow from a rental property after mortgage payments and estimated operating expenses.
Operating expenses include property tax, insurance, maintenance, vacancy and any other monthly expenses you enter.
The cap rate is calculated using estimated annual net operating income before mortgage payments, divided by the property purchase price.
Cash-on-cash return compares estimated annual cash flow with the down payment entered. This is a simplified estimate and does not include closing costs, renovation costs, appreciation, income taxes or selling costs.
This calculator provides estimates for planning purposes only. Actual rental income, expenses and investment returns can vary.
What is the difference between rental cap rate and cash-on-cash return?
Cap rate compares annual net operating income before financing with the property's purchase price. Cash-on-cash return compares estimated annual cash flow after mortgage payments with the down payment entered. For example, $12,000 in annual net operating income on a $200,000 property gives a 6% cap rate, regardless of how the property is financed. The two metrics measure different aspects of an investment.