Rental Property Cash Flow Calculator
Analyze potential rental property investments with detailed cash flow projections and key metrics
Property Purchase
Enter the property purchase details
$50,000
Total Cash Needed:$72,500
Financing
Mortgage details
Monthly P&I Payment:$1,264
Monthly Income
Expected rental income
Loss: $115/mo
Effective Gross Income:$2,185
Operating Expenses
Monthly and annual expenses
$250/mo
$100/mo
$175/mo
$109/mo
Total Operating Expenses:$1,084
Monthly Cash Flow Summary
Gross Monthly Income:$2,300
Vacancy Loss:-$115
Effective Gross Income:$2,185
Operating Expenses:-$1,084
Mortgage Payment (P&I):-$1,264
Monthly Cash Flow:-$163
Annual Cash Flow:-$1,958
Investment Analysis
Cash-on-Cash Return
Annual cash flow / total cash invested
Cap Rate
Net operating income / purchase price
Return on Investment (ROI)
(Annual cash flow + equity) / total investment
Key Metrics
Gross Rent Multiplier (GRM)
Purchase price / annual rent
Debt Service Coverage Ratio (DSCR)
NOI / annual debt service
Break-Even Occupancy
(Expenses + debt) / gross income
Year 1 Projection
Total Income:$26,220
Operating Expenses:-$13,009
Debt Service:-$15,170
Year 1 Cash Flow:-$1,958
Investment Summary
Total Investment:$72,500
Monthly Cash Flow:-$163
Annual Cash Flow:-$1,958
Cash-on-Cash Return:-2.70%
Disclaimer: This calculator provides estimates based on the information you provide. Actual results may vary. This tool is for educational purposes only and should not be considered financial advice. Please consult with qualified real estate and financial professionals before making investment decisions.