Rental Property Calculator
Analyze a rental's cash flow, cap rate, and cash-on-cash return.
Monthly cash flow
-$56.93
Cap rate
5.76%
Cash-on-cash return
-0.91%
Mortgage (P&I)
$1,496.93
Expenses (taxes, insurance, maintenance, vacancy, management) commonly total 35–50% of rent — the '50% rule' is the conservative screen.
Three numbers that matter
Cash flow pays the bills, cap rate compares the asset to other properties, and cash-on-cash measures the return on your actual dollars invested. A deal can look good on one and fail another — leverage amplifies both directions.
Screen with rules, verify with quotes
The 1% rule (monthly rent ≥ 1% of price) and 50% expense rule are screens, not underwriting. Before offering, replace them with the real tax bill, insurance quote, and market vacancy — the spreadsheet is only as good as those three lines.
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