Mortgage & Real Estate

Rental Property Calculator

Analyze a rental property's monthly cash flow, cap rate, and cash-on-cash return before you buy.

Enter your numbers

Adjust any field and recalculate — figures are pre-filled with a typical example.

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Results will appear here.
How it works

Formula & explanation

Rental Property Calculator uses the following calculation:

CashFlow = Rent×(1−Vacancy%) − Expenses − MortgagePayment

This is a simplified model intended for planning and education. Real-world offers from lenders, institutions, or tax authorities may include additional fees, rules, or adjustments not reflected here.

FAQ

Frequently asked questions

What counts as operating expenses?

Property management, maintenance reserves, insurance, property tax, and HOA fees — but not the mortgage payment itself, which is calculated separately.

What's a good cap rate?

It varies by market, but many investors look for 5–10% depending on location, property class, and risk tolerance.

What is cash-on-cash return?

It measures annual pre-tax cash flow against the actual cash you invested (down payment plus closing costs), showing return on your out-of-pocket investment.

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