Rental Property (Cash Flow) Calculator
Quickly estimate monthly cash flow, cap rate, and cash-on-cash return.
Inputs
Operating assumptions (monthly)
Results
Monthly cash flow
-$144
Cap rate (NOI / price)
5.45%
Cash-on-cash (simplified)
-2.76%
Monthly breakdown
- Effective rent (after vacancy): $1,995
- Operating expenses (incl. PM): $860
- NOI: $1,135
- Mortgage: $1,279
- Cash flow: -$144
Tip: Add closing costs, rent growth, and appreciation later for a full pro forma.
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FAQ
What is NOI?
NOI (Net Operating Income) is income after operating expenses, before debt service (mortgage).
Why use vacancy and CapEx reserves?
They help you avoid overestimating returns by accounting for real-world downtime and long-run repairs like roofs/HVAC.
Is cash-on-cash return accurate here?
This version is simplified (down payment only). Add closing costs, rehab, and reserves for a more precise model.