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Rental property cash flow calculator

Enter the deal and see monthly cash flow, NOI, cap rate, cash-on-cash return and DSCR instantly.

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Purchase
$
$
$
Financing
%
%
yrs
Income
$
$
%
Operating expenses
$
$
$
%
%
%
$
$
Monthly cash flow
-$252.80
Annual cash flow
-$3,034
Cash-on-cash
-5.28%
Cap rate
5.17%
DSCR
0.81
NOI (monthly)
$1,078
Mortgage (P&I)
$1,331
Loan amount
$200,000
Cash invested
$57,500
Collected income / mo
$2,090
Operating expenses / mo
$1,012
Monthly cash flow-$252.80

How this is calculated

  1. 1Collected income = (rent + other income) × (1 − vacancy %).
  2. 2Operating expenses = property tax ÷ 12 + insurance ÷ 12 + HOA + utilities + other + maintenance % and CapEx % of rent + management % of collected income.
  3. 3NOI (net operating income) = collected income − operating expenses.
  4. 4Mortgage payment uses the standard fixed-rate formula on the loan amount (price × (1 − down payment %)).
  5. 5Cash flow = NOI − mortgage payment.
  6. 6Cap rate = annual NOI ÷ purchase price. Cash-on-cash = annual cash flow ÷ (down payment + closing costs + rehab). DSCR = NOI ÷ mortgage payment.

Not included: income taxes, depreciation, appreciation and loan principal paydown. Those affect total return but not monthly cash flow.