Real-estate investor analysis
Rental property cash-flow calculator
Estimate net operating income, mortgage cash flow, cap rate, cash-on-cash return and debt-service coverage.
01
Purchase and financing
Use the expected price, down payment and mortgage terms.
02
Rental operations
Enter monthly rent, vacancy and expenses paid by the owner.
Estimated monthly cash flow
+$297
After modeled operating expenses and mortgage payment
Net operating income$51,419/yr
Monthly mortgage payment$3,988
Capitalization rate5.41%
Cash-on-cash return1.32%
Debt service coverage1.07
Mortgage balance after 5y$617,489
This is a before-tax operating illustration. It excludes income tax, depreciation, capital expenditures, leasing costs, financing fees, rent-control rules and unexpected repairs or vacancy.
Read the result carefully
A good-looking rent number can still produce weak cash flow.
- Use realistic vacancy, maintenance, utilities, insurance, management and capital-repair assumptions.
- Net operating income excludes mortgage payments; cash flow includes them but remains before income tax.
- Rental income treatment, zoning, lease terms and property condition affect both financing and investment risk.