Free Tool

Rental Property Calculator

Calculate cash flow, cap rate, ROI, and net operating income for any rental property investment in seconds.

Cash Flow Analysis
Cap Rate Calculator
Cash-on-Cash ROI
NOI Breakdown

Property Details

$350,000
$50K$2M
20% ($70,000)
3%50%
7.2%
3%12%
$2,400/mo
$500$10K
8%
0%30%
$4,200
$1,800
3%
10%

Investment Verdict

NEGATIVE CASH FLOW
Monthly Cash Flow
$1,288
Annual Cash Flow
$15,461
Cap Rate
2.10%
Cash-on-Cash ROI
-22.09%
Gross Yield
7.57%
Monthly Mortgage
$1,901

Annual Expense Breakdown

Mortgage (P&I)$22,807/yr
Property Tax$4,200/yr
Insurance$1,800/yr
Maintenance$10,500/yr
Property Management$2,650/yr
Total Annual Expenses$41,957
Effective Annual Income$26,496
Get AI Deal Analysis for a Specific Property

Enter an address and get crime, flood, climate risk + appreciation forecast — not just financials.

Analyze a Property

How to Use the Rental Property Calculator

What is Cap Rate?

Cap rate (capitalization rate) is the ratio of Net Operating Income (NOI) to property value. A cap rate of 6–8% is generally considered good for rental properties. Higher cap rates indicate higher returns but often higher risk.

What is Cash-on-Cash Return?

Cash-on-cash return measures annual pre-tax cash flow relative to the total cash invested (down payment + closing costs). A 8–12% cash-on-cash return is typically considered strong for residential rentals.

The 1% Rule

A quick screening tool: monthly rent should be at least 1% of the purchase price. A $300K property should rent for $3,000/month. This rule is harder to achieve in high-cost markets but remains a useful benchmark.

Vacancy Rate Impact

Even a 5% vacancy rate can significantly impact returns. Factor in realistic vacancy based on local market conditions — typically 5–10% for most US markets, higher in seasonal or transitional neighborhoods.

Talk with Us