Rental Property Calculator — Cash Flow, Cap Rate & ROI
Evaluate rental cash flow, NOI, cap rate, cash-on-cash return, and ROI using your property and operating assumptions. Verify rents, expenses, financing, and local market conditions independently.
- Free ARV range — no credit card required
- One free ARV range; full property analyses are paid
- AI ARV, rehab & 1–100 deal scoring
- Comparable-property analysis from available data
- 90-day money-back guarantee on Premium
Monthly Cash Flow
Net monthly income after PITI, vacancy, maintenance, management, and CapEx reserves.
Rental ROI Calculator
Annual cash flow over total cash invested — see real return on every rental.
NOI & Cap Rate
Net Operating Income and cap rate computed automatically for clean valuation.
Full Expense Modeling
Taxes, insurance, maintenance, management, vacancy, CapEx — nothing missed.
Vacancy Stress Test
Model 5%, 10%, 15% vacancy rates and see when the deal stops cash flowing.
Side-by-Side Comparison
Compare multiple rental property investments to find the strongest deal.
How Our Real Estate Cash Flow Calculator Works
Cash flow is the dollars left over each month after every expense is paid. Our rental cash flow calculator uses the standard formula:
Monthly Cash Flow = Gross Rent − Vacancy − Operating Expenses − CapEx Reserves − Mortgage (PITI)
- Gross Rent: Total potential monthly rental income
- Vacancy: Typically 5–10% of gross rent
- Operating Expenses: Property tax, insurance, maintenance, property management
- CapEx Reserves: Roof, HVAC, water heater — saved monthly so they don't surprise you
- Mortgage: Principal + interest + tax escrow + insurance escrow (PITI)
Positive cash flow = the property pays you each month. Negative cash flow = you're feeding the deal.
Rental Property ROI Metrics That Matter
Our rental property calculator returns every metric a serious landlord investor needs:
- Monthly & Annual Cash Flow: Bottom-line dollars per month and per year
- Cash-on-Cash Return: Annual cash flow ÷ total cash invested
- Cap Rate: NOI ÷ property value — for comparing across markets
- Net Operating Income (NOI): Income minus operating expenses (pre-mortgage)
- Debt Service Coverage Ratio (DSCR): NOI ÷ annual mortgage
- Gross Rent Multiplier (GRM): Quick rent-vs-price screen
Frequently Asked Questions
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