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Rental Property Calculator

Purchase

Purchase Price ($)

Closing Cost ($)

Use Loan?

Down Payment (%)

Interest Rate (%)

Loan Term (yrs)

Need Repairs?

Recurring Operating Expenses (Annual)

CategoryAnnual ($) / Inc. (%)

Property Tax

Insurance

HOA Fee

Maintenance

Other Costs

Income

Monthly Rent ($)

Annual Rent Increase (%)

Vacancy Rate (%)

Management Fee (%)

Other Monthly Income ($)

Exit / Sale

Holding Period (years)

Cost to Sell (%)

Know sell price?

Annual Appreciation (%)

Annual Cash-on-Cash Return (Yr 1)

-4.75%

Cap Rate (Yr 1)

5.36%

Monthly Mortgage

$1,596.73

Total Cash Invested

$65,000

Yr 1 Monthly Cash Flow

$-257.26

Total Cash Flow (10yr)

$-3,742

Projected Sale Price

$403,175

Equity at Sale

$173,035

Total Return on Investment

+$104,292 (160.45% total / 10.05% annualized)

Year-by-Year Cash Flow

Year	Gross Income	NOI	Cash Flow	Cumulative
1	$25,080	$16,074	$-3,087	$-3,087
2	$25,832	$16,626	$-2,535	$-5,622
3	$26,607	$17,196	$-1,965	$-7,587
4	$27,406	$17,785	$-1,376	$-8,963
5	$28,228	$18,393	$-768	$-9,731
6	$29,075	$19,020	$-141	$-9,872
7	$29,947	$19,668	+$507	$-9,364
8	$30,845	$20,337	+$1,176	$-8,188
9	$31,771	$21,027	+$1,867	$-6,322
10	$32,724	$21,740	+$2,579	$-3,742

Key Rental Metrics

Cap Rate — NOI ÷ Purchase Price. 5–10% is typical. Higher = better return but may indicate higher risk area.
Cash-on-Cash Return — Annual cash flow ÷ total cash invested. Shows return on actual money out of pocket.
1% Rule — Monthly rent should be at least 1% of purchase price for positive cash flow. At $300,000, target rent ≥ $3,000/mo.

Full rental property analysis: cash flow, NOI, cap rate, cash-on-cash return, and projections.