Rental Property Calculator

Analyze cash flow, break-even rent, cap rate, and long-term returns before you invest

Monthly Cash Flow
-$517
-$6,204/year
Break-Even Rent
$3,044
$544 below break-even
Cap Rate
4.6%
NOI / property value
Cash-on-Cash
-7.7%
annual return on cash
Property & Financing
$350K
20% ($70K)
%
3% ($11K)
%
7%
%
30 yrs
yrs
Rental Income
$2,500
$0
5%
%
Annual Expenses
$4,200
$150
1% ($4K/yr)
%
10% of rent
%
$0
3%
%
Investment Decision Checks
Negative Cash Flow
-$517/mo · -$6,204/yr after all expenses
1% Rule: 0.71% of price
Rent is below 1% of price ($3,500/mo target)
Cap Rate: 4.6%
Below 6% — lower return relative to property value
Cash-on-Cash: -7.7%
Below 8% — consider if this beats alternative investments
Monthly Income vs Expenses
Mortgage (P+I)$1,863
Property Tax$350/mo
Insurance$150/mo
Maintenance$292/mo
Management$238/mo
Total monthly expenses$2,892
10-Year Wealth Accumulation
Total Wealth
Equity (Down Pmt + Paydown)
Appreciation
Cumulative Cash Flow
$168K
Year 10 Wealth
$230K
Year 10 Equity
$120K
Appreciation (10 yr)
$-62K
10-yr Cash Flow
Rent Sensitivity Analysis

How monthly cash flow changes with rent ±$500

Full Investment Metrics
Loan Amount$280,000
Total Cash Invested$80,500
Monthly Mortgage (P+I)$1,863
Break-Even Rent$3,044
Effective Monthly Rent$2,375
Net Operating Income$16,150/yr
Gross Rental Yield8.6%
Net Rental Yield4.6%
Cap Rate4.6%
Cash-on-Cash Return-7.7%
Gross Rent Multiplier11.7x
1% Rule (rent / price)0.71%