Analyze rental property cash flow, ROI, cap rate, cash-on-cash return, DSCR, expenses, mortgage payments, and long-term investment projections.
Formula
Rental analysis starts by comparing effective rental income with operating expenses and mortgage payment. The result shows monthly cash flow, while cap rate and cash-on-cash return help compare the investment against other properties.
Investment planning
Use this calculator to review whether a rental property can cover its debt payment, generate positive monthly cash flow, and produce a reasonable long-term return after vacancy, repairs, property management, and market growth assumptions.
Use cases
Use it before buying an investment property, comparing rental deals, estimating cash flow, or stress-testing vacancy, rent, and financing assumptions.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Review rental income, expenses, financing, risk, and return assumptions before making a property decision.
Calculator details
Last updated: July 2026
Formula used
Rental Property Calculator uses the values you enter to estimate totals, rates, percentages, payments, balances, or comparison results for planning.
Assumptions
Example calculation
Enter a simple rental property calculator scenario, review the estimated result, then adjust one input at a time to compare outcomes.
When to use this calculator
Estimate monthly rental property cash flow
Disclaimer
This calculator is for estimation and educational use only. It does not replace professional financial, tax, legal, mortgage, investment, or accounting advice.
Questions
A rental property calculator estimates rental income, operating expenses, mortgage payment, cash flow, cap rate, cash-on-cash return, DSCR, and long-term investment returns.
Cash-on-cash return compares annual cash flow to the cash invested in the property, such as down payment, closing costs, and renovation costs.
Cap rate compares net operating income to the property value. It helps evaluate property income before mortgage financing costs.
No. Results are estimates only. Actual rental returns depend on market rent, vacancy, repairs, financing, taxes, insurance, tenant quality, management, and local laws.
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