Rental Property Calculator: Cash on Cash, Cap Rate and Cash Flow

How to do it

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   Step 1: Open Rental Property Calculator: Cash on Cash, Cap Rate and Cash Flow and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

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   Step 2: What Rental Property Calculator: Cash on Cash, Cap Rate and Cash Flow does

   Analyze a rental property: NOI, cap rate, cash flow, cash-on-cash return, DSCR and the 1% rule.

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   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

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   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter the price, down payment, loan terms, closing and rehab costs, monthly rent, vacancy and your yearly operating costs. The calculator shows net operating income, cap rate, debt service, annual cash flow, cash-on-cash return, DSCR, the 1% rule and the gross rent multiplier.

The numbers

Net operating income (NOI) is rent after vacancy minus operating costs, before mortgage payments. Cap rate is NOI divided by the price. Cash flow is NOI minus the mortgage payments, and cash-on-cash return is yearly cash flow divided by the cash you invested (down payment, closing and rehab costs).

Operating costs

Property tax, insurance and HOA are yearly amounts. Maintenance and management are percentages of collected rent. Utilities you pay, capital reserves and landlord licenses can be added to maintenance.

Rules of thumb

The 1% rule asks for monthly rent of at least 1% of the price. A DSCR above 1.25 is what many lenders want. These are screening tools, not a replacement for a full analysis of rents and repairs.

Worked example

A $300,000 property with 20% down at 6.75% and $2,600 of rent: $69,000 of cash invested, NOI $19,898 (cap rate 6.63%), mortgage payments $18,680 a year, cash flow $1,218 a year, a cash-on-cash return of 1.77% and a DSCR of 1.07. Rent is 0.87% of the price, below the 1% rule.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.