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Rental Property ROI Calculator
Analyze cap rate, cash flow, NOI, and more for any rental property investment.
Property Details
Property Name
Property Type
Type?Multi-unit properties generate multiple rent streams from one purchase.
Purchase & Financing
Purchase Price?Total acquisition price including any seller concessions.
Down Payment %?Conventional loans typically require 20-25% for investment properties.Percentage of purchase price
Interest Rate %?Current average for 30-year investment property loans is 7-8%.
Loan Term (years)?Most investment property loans are 15 or 30 years.
Closing Costs?Typically 2-5% of purchase price. Includes title, appraisal, lender fees.
Income
Monthly Rent?Gross monthly rent collected from tenant(s).
Other Monthly Income?Additional income from laundry, parking, storage, pet fees, etc.Laundry, parking, etc.
Vacancy Rate %?Expected vacancy rate. National average is about 5-8% for residential.
Expenses
Property Tax (annual)?Annual property tax bill. Check your county assessor for exact amount.
Insurance (annual)?Annual landlord/rental property insurance premium.
HOA (monthly)?Monthly HOA or condo association dues, if applicable.
Maintenance %?Industry standard is 8-12% of rent. Covers repairs, appliance replacement, turnover costs.% of rent for reserves
Management Fee %?Property management fee, typically 8-10% of rent. 0% if self-managing.
Utilities (monthly)?Monthly utilities paid by landlord (water, trash, electric, gas, internet).
Landscaping (monthly)?Monthly landscaping or lawn care costs.
Pest Control (monthly)?Monthly pest control service costs.
Other Expenses (monthly)?Any other recurring monthly expenses not listed above.
Analysis Results
Monthly Cash Flow?Monthly income minus all expenses including mortgage. Positive = profit.
-$140.60
Annual Cash Flow?Total yearly cash flow after all expenses and debt service.
-$1,687.26
Cap Rate?Net Operating Income / Purchase Price. 5%+ is generally considered good for residential.
5.71%
Cash-on-Cash?Annual cash flow / total cash invested. 8%+ is a strong return.
-3.37%
Rent-to-Price?Monthly rent / purchase price. The '1% rule' suggests rent should be >= 1% of price.
0.80%
DSCR?NOI / annual debt payments. Lenders typically require 1.25+.
0.89
Loan Amount$200,000.00
Monthly Mortgage (P&I)$1,330.60
Cash Invested (Down + Closing)$50,000.00?Total cash out of pocket: down payment plus closing costs.
Effective Monthly Rent$1,900.00
Monthly Property Tax$250.00
Monthly Insurance$100.00
Monthly Maintenance$200.00
Monthly Management$160.00
Total Monthly Expenses$2,040.60
NOI (annual)$14,280.00
Gross Rent Multiplier10.42
Break-Even Ratio107.40%
Monthly Cash Flow
-$140.60
Pro Features
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Multi-Property Tracking
Compare up to 5 properties side-by-side with portfolio dashboard.
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10-Year Projections
Model rent growth, expenses, appreciation, and equity over time.
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Tax & Deal Analysis
Depreciation schedules, tax savings, and deal comparison tools.
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Multi-property tracking, 10-year projections, tax analysis, deal comparison, and Excel downloads.
Sign Up Free to Unlock ProUnderstanding Key Metrics
- Cap Rate — Net Operating Income divided by purchase price. Higher is better. 5%+ is generally considered good.
- Cash-on-Cash Return — Annual cash flow divided by total cash invested (down payment + closing costs). Shows return on your actual money in the deal.
- NOI (Net Operating Income) — Annual income minus operating expenses, excluding mortgage. Used to compare properties regardless of financing.
- DSCR (Debt Service Coverage Ratio) — NOI divided by annual debt payments. Lenders typically want 1.25+. Above 1.0 means income covers the mortgage.
- GRM (Gross Rent Multiplier) — Purchase price divided by annual gross rent. Lower means you're paying less per dollar of rent. Typically 4-10 for investment properties.
- Break-Even Ratio — What percentage of gross income goes to expenses. Below 85% is generally healthy.
- Rent-to-Price Ratio (1% Rule) — Monthly rent as a percentage of purchase price. If rent is 1% or more of the price, cash flow is likely positive.
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