Rental Property Cash Flow Calculator
Enter a deal and see the full picture: monthly cash flow, cap rate, cash-on-cash return, quick-screen heuristics, and a multi-year projection with an IRR-style total return at the end of your hold.
Your deal
Acquisition
About $81,250 down
Loan
Illustrative example rate. Not an available or quoted rate.
Income
Laundry, parking, storage, pet rent
Operating expenses
Of gross rent
Of gross rent
Of gross rent
Roof, HVAC, big-ticket reserves
Owner-paid only
Projection assumptions
Annual
Annual
Annual
Agent commissions and closing fees
Monthly cash flow
Returns (year 1)
Quick-screen heuristics
Total return over 10 years
Multi-year projection
Rent and expenses grow with your assumptions. Equity reflects both principal paydown and appreciation. Cumulative return is total cash flow plus current equity, minus your initial cash invested.
| Year | NOI | Cash flow | Home value | Loan balance | Equity from paydown | Equity from appreciation | Total equity | Cumulative return |
|---|---|---|---|---|---|---|---|---|
| 1 | $18,724 | -$1,728 | $334,750 | $241,503 | $2,247 | $9,750 | $93,247 | -$2,731 |
| 2 | $19,312 | -$1,140 | $344,793 | $239,082 | $4,668 | $19,793 | $105,711 | $8,593 |
| 3 | $19,919 | -$533 | $355,136 | $236,472 | $7,278 | $30,136 | $118,664 | $21,013 |
| 4 | $20,544 | $92 | $365,790 | $233,660 | $10,090 | $40,790 | $132,130 | $34,571 |
| 5 | $21,189 | $737 | $376,764 | $230,630 | $13,120 | $51,764 | $146,134 | $49,312 |
| 6 | $21,854 | $1,402 | $388,067 | $227,364 | $16,386 | $63,067 | $160,703 | $65,282 |
| 7 | $22,540 | $2,088 | $399,709 | $223,845 | $19,905 | $74,709 | $175,864 | $82,531 |
| 8 | $23,246 | $2,794 | $411,700 | $220,053 | $23,697 | $86,700 | $191,647 | $101,109 |
| 9 | $23,975 | $3,523 | $424,051 | $215,967 | $27,783 | $99,051 | $208,085 | $121,070 |
| 10 | $24,727 | $4,275 | $436,773 | $211,563 | $32,187 | $111,773 | $225,210 | $142,470 |
Ready to pressure-test this deal?
Investment property financing has more moving parts than a primary home loan. Walk through your numbers with a loan officer and get a clear read on rate, reserves, and how the file will underwrite.
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Open calculatorFrequently asked questions
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What is a good cap rate on a rental property?
What is the 1% Rule?
What is the 50% Rule?
How is cash-on-cash return different from cap rate?
Does this include tax depreciation or cost segregation?
Related glossary terms
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