Estimate monthly cash flow, cap rate, cash-on-cash return, NOI, and DSCR for any rental property in seconds.
Monthly Cash Flow
$66
$795 per year
Cap Rate
6.65%
NOI ÷ Price
Cash-on-Cash
1.15%
Cash flow ÷ cash invested
NOI (annual)
$19,956
Income − OpEx
Mortgage (P&I)
$1,597
Monthly
DSCR
1.04
NOI ÷ debt service
1% Rule
0.80%
Rent ÷ price
Estimates only. Verify taxes, insurance, and rate quotes for your market.
Effective gross rent (rent × 12 minus vacancy) minus all operating expenses — taxes, insurance, HOA, maintenance, and management. Excludes the mortgage.
NOI ÷ purchase price. A market-relative measure of unleveraged return. Most US rentals run 5%–10%.
Annual cash flow ÷ cash invested (down payment + closing costs). The return on the actual cash you put down.
NOI minus mortgage principal & interest. Positive cash flow = the property covers every bill each month.
NOI ÷ annual debt service. Lenders typically want 1.20+ for DSCR loans. Below 1.0 means rent doesn't cover the mortgage.
A back-of-napkin filter: if monthly rent ÷ purchase price ≥ 1%, the deal is likely to cash flow. Rare in expensive markets.
A rental property calculator estimates the financial performance of a rental investment — monthly cash flow, cap rate, cash-on-cash return, and net operating income (NOI) — using purchase price, financing, rent, and operating expenses.
Most US single-family rentals fall between a 5% and 10% cap rate. Higher cap rates usually mean more risk (older properties, weaker markets); lower cap rates often signal stronger appreciation potential or lower-risk markets.
Many long-term rental investors target 8%–12% cash-on-cash on a financed deal. Anything above 12% is excellent; under 5% may not justify the work and risk versus passive investments.
Cash flow = Gross rent − vacancy − operating expenses − mortgage payment (principal + interest). Positive cash flow means the property pays for itself each month after every bill.
Yes. Enter purchase price, down payment %, interest rate, and loan term and the calculator computes the monthly principal & interest payment automatically using the standard amortization formula.
Enter purchase price, financing, rent, and expenses to model cash flow, cap rate, and cash-on-cash return. If you want to track real performance across a portfolio, Havyn plans start at $19/mo.
