Rental Property Calculator
Calculate rental property ROI, cash flow, cap rate, and investment returns. Analyze rental income, expenses, mortgage payments, and profitability for real estate investments.
Step 1: Property Details
Property Investment Basics
Total Investment = Down Payment + Closing Costs + Repair Costs
Loan Amount = Purchase Price – Down Payment
Typical down payment for investment properties is 20-25% of purchase price.
Step 2: Financial Details
Key Investment Metrics
Cash Flow = Rental Income – All Expenses
Cap Rate = NOI / Property Value
Cash on Cash ROI = Annual Cash Flow / Total Cash Invested
Gross Rent Multiplier = Property Price / Annual Gross Rent
Rental Property Analysis Results
Annual Cash Flow
Monthly Cash Flow Breakdown
| Income/Expense | Monthly Amount | Annual Amount | % of Income |
|---|
Real Estate Investment Metrics
Cash on Cash Return
Formula: (Annual Cash Flow / Total Cash Invested) × 100
Interpretation: Measures the return on the actual cash invested. A good CoC ROI for rental properties is typically 8-12%.
Capitalization Rate (Cap Rate)
Formula: (Net Operating Income / Property Value) × 100
Interpretation: Measures the property’s potential return without financing. 4-10% is typical depending on market.
Gross Rent Multiplier
Formula: Property Price / Annual Gross Rental Income
Interpretation: Lower numbers indicate better value. Typically 8-12 for residential properties.
Debt Service Coverage Ratio
Formula: Net Operating Income / Annual Debt Service
Interpretation: Measures ability to cover mortgage payments. Lenders typically require 1.2 or higher.
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