Free Tool

Rental Property Calculator

Cash flow, cash-on-cash, cap rate, DSCR, and break-even rent. Free, no signup.

Deal Inputs

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30-year fixed
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Assumes 3% closing costs and $50/mo miscellaneous. Sign up to adjust every assumption and save the deal.

Results

Cash Flow Positive$94/mo
Monthly Cash Flow$94
Annual Cash Flow$1,124
Cash-on-Cash Return3.3%
Cap Rate7.1%
DSCR1.12
NOI (monthly)$892
Break-Even Rent$1,664
Total Cash Needed$34,500

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The metrics that decide a rental deal

Cash flow tells you whether the property pays you monthly. Cash-on-cash measures it against every dollar you put in, including closing costs and rehab. DSCR is what your lender checks: NOI divided by the loan payment, with 1.20 as the common bar. Break-even rent shows how far rents can fall before you write checks. Defaults: 7% vacancy, 8% each for management, maintenance, and CapEx.

Frequently Asked Questions