Rental Property Calculator

Analyze rental property cash flow, ROI, and profitability with detailed pro forma analysis.

Property Details

Property Type

Number of Units1

110

Purchase Price$300,000

$50,000$2,000,000

Down Payment25% ($75,000)

0% ($0)100% ($300,000)

Closing Costs

Renovation Costs

Interest Rate7.000%

0.000%15.000%

Rental Income

Monthly Rent (per unit)$2,200

$500$10,000

Total Monthly Rent: $2,200 (1 unit × $2,200)

Vacancy Rate5%

0%20%

Operating Expenses

Property Tax1.2% of value

0.0% of value3.0% of value

Insurance0.4% of value

0.0% of value2.0% of value

Maintenance5% of rent

0% of rent15% of rent

CapEx Reserve5% of rent

0% of rent15% of rent

Property Management0% of rent

0% of rent15% of rent

HOA Fees (monthly)

Utilities (monthly)

Warning: This property is cash flow negative at -$26.93/month. Review your numbers or find a better deal.

Key Metrics

Cap Rate5.88%Low

Cash-on-Cash-0.39%Low

Rent-to-Price0.73%1% Rule Fail

DSCR0.98Negative

Investment Summary

Total Investment$83,000Down + Closing + Reno

Loan Amount$225,000

Monthly Mortgage$1,496.93

Price per Unit$300,000

Year 1 Pro Forma

Gross Scheduled Rent$26,400

− Vacancy Loss (5%)($1,320)

= Effective Gross Income$25,080

− Operating Expenses($7,440)

= Net Operating Income (NOI)$17,640

− Debt Service (Mortgage)($17,963.17)

= Annual Cash Flow-$323.17

Monthly Cash Flow

Net profit per month

-$26.93

-$26.93/unit

Annual Expenses

Property Tax

$3,600

Insurance

$1,200

Maintenance

$1,320

CapEx Reserve

$1,320

Income Allocation

Cash Flow

Operating Expenses

$7,440

Debt Service

$17,963.17

Vacancy

$1,320

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Disclaimer

This calculator is provided for informational purposes only. Results are estimates based on the information you provide. Always consult with a qualified financial professional before making important financial decisions.