Free Rental Property Calculator — Cash Flow & ROI
Analyze a rental property investment in seconds. Enter purchase price, financing, and rental income to see monthly cash flow, cap rate, cash-on-cash return, and total ROI.
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Frequently Asked Questions
What is cap rate and how is it used?
Capitalization rate = Net Operating Income / Property Value. A 6% cap rate on a $300,000 property means $18,000 NOI annually. Higher cap rates indicate higher yield but often higher risk. Use cap rate to compare similar properties.
What is cash-on-cash return?
Cash-on-cash return = Annual Pre-Tax Cash Flow / Total Cash Invested. It measures the annual return on the actual cash you invested (down payment + closing costs), unlike cap rate which ignores financing.
What operating expenses should I budget for?
Typical rental expenses: property tax (1–2% of value/year), insurance (0.5–1%), maintenance/repairs (1–2%), vacancy (5–10% of rent), property management (8–12% of rent), and capital expenditure reserves (5–10%).