Calculator
Rental Property Calculator
Analyze rental property investments with NOI, cap rate, cash-on-cash return, 5-year projections, and an investment verdict.
🏘️
Rental Property Calculator
Analyze rental property ROI, cap rate, cash flow, and 5-year projections.
🏠Purchase Details
Down Amount: $60,000 — Loan: $240,000
💵Rental Income
Effective Monthly Rent: $1,840.00
After Mgmt Fee: $1,656.00
📋Annual Operating Expenses
Total Monthly Operating Expenses (excl. mortgage): $650.00
📊Investment Metrics
-$590.73
Monthly Cash Flow
$12,072
Annual NOI
4.02%
Cap Rate
-10.27%
Cash-on-Cash
-$7,089
Annual Cash Flow
⚖️Investment Verdict
⚠️
Decent Investment
Based on the 1% rule and cap rate
❌1% Rule: Rent/Price = 0.67% < 1% ✗
⚠️Cap Rate: 4.02% (OK 4-5%)
❌CoC Return: -10.27% (Low)
❌Monthly CF: -$590.73
📈5-Year Projection
| Year | Property Value | Loan Balance | Equity | Cum. Cash Flow |
|---|---|---|---|---|
| Year 1 | $309,000 | $237,562 | $71,438 | -$7,089 |
| Year 2 | $318,270 | $234,948 | $83,322 | -$14,177 |
| Year 3 | $327,818 | $232,145 | $95,673 | -$21,266 |
| Year 4 | $337,653 | $229,139 | $108,514 | -$28,355 |
| Year 5 | $347,782 | $225,916 | $121,866 | -$35,444 |
Total return includes equity gained, cumulative cash flow, minus initial cash invested (down payment + ~3% closing costs).