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Rental Property ROI Calculator
Analyze cap rate, cash flow, NOI, and more for any rental property investment.
Property Details
Property Type
Purchase & Financing
Percentage of purchase price
Paid in cash after buying
Income
Laundry, parking, etc.
Expenses
% of rent for reserves
Analysis Results
Monthly Cash Flow
-$132.60
Annual Cash Flow
-$1,591.26
Cap Rate
5.75%
Cash-on-Cash
-2.77%
Rent-to-Price
0.80%
DSCR
0.90
Loan Amount$200,000.00
Monthly Mortgage (P&I)$1,330.60
Cash Invested$57,500.00
Income if Fully Rented$2,000.00
Expected Income (after vacancy)$1,900.00
Monthly Property Tax$250.00
Monthly Insurance$100.00
Monthly Maintenance$200.00
Monthly Management$152.00
Total Monthly Costs (incl. loan)$2,032.60
NOI (annual)$14,376.00
Gross Rent Multiplier10.42
Break-Even Ratio101.63%
Monthly Cash Flow
-$132.60
Where Each Month's Money Goes
Cash flow: $132.60 short each month, which you'd cover yourself
What Vacancy Does to Your Cash Flow
* The vacancy rate you entered (darker bar)
Understanding Key Metrics
- Cap Rate — Net Operating Income divided by purchase price: the return if you paid all cash. Compare it with similar properties in the same area.
- Cash-on-Cash Return — Annual cash flow divided by the cash you put in (down payment, closing costs and up-front repairs). Shows the return on your own money.
- NOI (Net Operating Income) — Income after vacancy minus operating expenses, excluding the mortgage. Used to compare properties regardless of financing.
- DSCR (Debt Service Coverage Ratio) — NOI divided by annual loan payments. Lenders commonly look for 1.2 to 1.25 or more. Above 1.0 means income covers the loan payment.
- GRM (Gross Rent Multiplier) — Purchase price divided by annual rent. Lower means you're paying less per dollar of rent.
- Break-Even Ratio — Operating costs plus loan payments as a share of the income you'd collect if fully rented. Lower leaves more room for vacancies.
- Rent-to-Price Ratio (1% Rule) — Monthly rent as a percentage of purchase price. A quick first screen; the full numbers above tell you more.
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