Home Buying Toolkit
Estimate affordability, compare financing, and see how extra payments change the long-term cost of ownership.
Rental Property Calculator
Estimate monthly cash flow, cap rate, and cash-on-cash return before you buy a rental property. This version is designed for fast scenario planning, not just a single answer.
Property assumptions
Investment metrics
Monthly cash flow
$0
Cap rate
0%
Cash-on-cash return
0%
Net operating income
$0
| Metric | Value |
|---|---|
| Loan payment | $0 |
| Operating expenses | $0 |
| Effective rent | $0 |
| Cash invested | $0 |
What these numbers mean
Cap rate focuses on the property itself before financing. Cash-on-cash return goes one step further and compares your annual pre-tax cash flow against the cash you actually put into the deal.
If cash flow looks strong but cap rate is weak, the financing might be carrying the deal more than the property fundamentals. If cap rate is healthy but cash flow is tight, you may need a larger down payment or lower purchase price.
Frequently Asked Questions
The maintenance percentage is a simple reserve proxy. For a fuller underwriting model, you can increase that field or add one-time reserves into closing costs.
Vacancy accounts for turnover, downtime, and collection risk, so the model uses effective rent instead of assuming perfect occupancy all year.
They answer different questions. Cap rate is useful for comparing properties. Cash-on-cash return is better for comparing what your invested cash earns after financing.
🧠Guided Journeys
Use a workflow instead of stopping at one result
These grouped paths are designed to help you continue with the most common follow-up calculations in this category.
Debt & Loan Payoff
Map monthly payments, credit-card payoff speed, and debt ratios before taking on or refinancing debt.
Retirement Planning
Model contributions, employer matching, withdrawals, and long-term savings growth across your retirement timeline.