Rental Property Calculator

Analyze cash flow, ROI, and key metrics for any investment property

View Complete Rental Property Guide

🏠 Affordability 🔄 BRRRR 🏘️ House Hacking 💸 Passive Income 📊 Portfolio Simulator 💰 Syndication Analyzer

Monthly Cash Flow

Cash on Cash Return

Cap Rate

Total ROI

📏 Investment Rules Check

1% Rule

Rent ≥ 1% of price

❌

50% Rule

Expenses ≤ 50% rent

❌

Cash Flow

Positive monthly flow

❌

Property Details

Property Address (Optional)

Purchase Price

Down Payment

Closing Costs

Rehab/Repair Costs

Loan Details

Interest Rate

Loan Term

years

Rental Income

Monthly Rent

Other Monthly Income (parking, laundry, etc.)

Vacancy Rate

Monthly Operating Expenses

Property Tax

Insurance

HOA Fees

Property Management

Maintenance/Repairs

Utilities (if owner pays)

Cash Flow Analysis

Gross Rental Income $0

Vacancy Loss -$0

Effective Rental Income $0

Operating Expenses -$0

Mortgage Payment -$0

Monthly Cash Flow $0

Annual Cash Flow $0

Investment Returns

Cash on Cash Return

Annual cash flow / cash invested

Cap Rate

NOI / Purchase price

Total ROI

Including appreciation & loan paydown

Net Operating Income

Income - Operating expenses

Expense Breakdown

Operating Expense Ratio 0%

5-Year Projection

Total Cash Flow $0

Property Appreciation (3.5%/yr) $0

Loan Principal Paid Down $0

Total Wealth Created $0

🎯 Deal Analysis

📊 Advanced Analysis Tools

Professional investment analysis with risk assessment and scenario modeling

Variable Impact Analysis

See how changes in key variables affect your returns.

Purchase Price (±20%)

Monthly Rent (±20%)

Interest Rate (±2%)

Operating Expenses (±30%)

Monte Carlo Risk Analysis

Run thousands of scenarios to understand probability of returns.

Number of Simulations

Variable Range

Mean ROI

Success Rate

95% Confidence

0% - 0%

Risk Level

📊 Understanding Risk Levels

✅ Low Risk (Standard Deviation < 5%)

What it means: Very predictable returns with minimal variation.
Good for: Conservative investors, high-leverage deals, retirement planning
Action: Safe to proceed with standard 20-25% down payment

⚠️ Medium Risk (Standard Deviation 5-10%)

What it means: Moderate uncertainty, returns will fluctuate but remain manageable.
Good for: Balanced portfolios, experienced investors
Action: Keep 6-12 months cash reserves, consider 25-30% down payment

⚠️ High Risk (Standard Deviation > 10%)

What it means: Significant uncertainty with wide range of possible outcomes.
Good for: Risk-tolerant investors, small portion of portfolio
Action: Use 30%+ down payment, maintain 12+ months reserves, have exit strategy

💡 Investment Decision Framework:

• High Success (>90%) + Low Risk = Excellent opportunity, move quickly
• High Success (>90%) + Medium Risk = Good opportunity with proper reserves
• High Success (>90%) + High Risk = Proceed cautiously, reduce leverage
• Medium Success (70-90%) + Low Risk = Acceptable if cash flow positive
• Low Success (<70%) = Reconsider or renegotiate terms

Scenario Comparison

Compare different market conditions side by side.

Scenario	Cash Flow	Cap Rate	Total ROI	Feasibility