Rental Property Cash Flow Calculator - Real Estate Investment Analysis

📚 How to Use the Rental Property Cash Flow Calculator

🏡 Property Details

Purchase Price: The total amount you'll pay for the property
Down Payment: Upfront payment (typically 20-25% for investment properties)
Closing Costs: Legal fees, inspections, appraisals (usually 2-5% of purchase price)
Repair Costs: One-time renovation expenses to make property rent-ready

💰 Income Details

Monthly Rent: Expected rental income from tenants
Other Income: Additional revenue (parking, laundry, storage fees)
Annual Rent Increase: Expected yearly rent growth (typically 2-4%)

🏦 Loan Details

Interest Rate: Annual mortgage interest rate
Loan Term: Repayment period (usually 15 or 30 years)

📊 Monthly Expenses

Property Taxes: Annual property tax ÷ 12
Insurance: Monthly property insurance premium
Vacancy Rate: Expected vacancy percentage (typically 5-10%)
Maintenance: Regular upkeep costs (usually 5-10% of rent)
Capital Expenditures: Savings for major expenses (roof, HVAC, appliances)
Property Management: Management fee (typically 8-12% of gross rent)

💡 Pro Tips:

Use realistic numbers based on local market conditions
Factor in all expenses to get accurate cash flow projections
Save different scenarios to compare multiple properties
Consider seasonal variations in rental demand

📈 Understanding the Results

Cash Flow: Monthly profit/loss after all expenses
Cash-on-Cash Return: Annual return on your initial investment
Cap Rate: Property's return potential (higher is generally better)
Debt Coverage Ratio: Ability to service debt (should be > 1.25)
1% Rule: Monthly rent should be ≥ 1% of purchase price
50% Rule: Operating expenses should be ≤ 50% of gross income

⚠️ Important Notes:

This calculator provides estimates only - consult professionals for investment decisions
Consider market trends, location factors, and economic conditions
Factor in your time investment for property management
Keep emergency reserves for unexpected expenses

🔧 Using the Features

Save Scenarios: Store different property analyses for comparison
Export CSV: Download results for spreadsheet analysis
Print Report: Generate a formatted report for records
Reset: Clear all fields and start over

How to use the cashflow calculator

Property Address (Optional)

Purchase Price ($)

Down Payment ($)

Closing Costs ($)

Initial Repair/Renovation Costs ($)

Monthly Rent ($)

Other Monthly Income ($)

Annual Rent Increase (%)

Interest Rate (%)

Loan Term (Years)

Property Taxes (Monthly)

Insurance (Monthly)

HOA/Condo Fees (Monthly)

Vacancy Rate (%)

Repairs & Maintenance (Monthly)

Capital Expenditures (Monthly)

Property Management (%)

Utilities (Monthly)

Other Monthly Expenses

Saved Scenarios

No saved scenarios yet

📈 Investment Analysis

Monthly Cash Flow

Per Month

Initial Investment

Down payment + closing costs + repairs

Monthly Mortgage Payment

Principal & Interest

Net Operating Income (NOI)

Monthly income minus operating expenses

Cash-on-Cash Return

Annual cash flow ÷ initial investment

Capitalization Rate (Cap Rate)

Annual NOI ÷ purchase price

Debt Coverage Ratio

0.00

NOI ÷ debt service (should be > 1.25)

Gross Rent Multiplier

0.00

Purchase price ÷ gross annual rent

1% Rule
-

50% Rule
-

DCR > 1.25
-