R RentalROI DeskCash flow, cap rate and DSCR for rental deals.
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Rental Property Calculator

Run any rental deal in a minute: cash flow, cap rate, cash-on-cash return and DSCR in one view.

🔒 Everything is calculated in your browser. Your numbers never leave your device.

The deal

Financing

Operating costs

Monthly cash flow$16$187 / year
Cap rate6.05%NOI $19,348
Cash-on-cash0.2%Invested $92,000
DSCR1.01Below the usual 1.25 minimum
1% rule0.81%GRM 10.3

Where the rent goes (per year)

Cash flow$187
Mortgage payments$19,161
Tax & insurance$5,300
Maintenance & management$4,992
Vacancy$1,560
  • Before income tax and depreciation. NOI = effective rent minus operating expenses (excluding the mortgage).

How it works

  1. Enter the price, rent and closing or rehab costs.
  2. Add the down payment, rate and loan term.
  3. Fill in vacancy, tax, insurance, maintenance and management.
  4. Read cash flow, cap rate, cash-on-cash and DSCR.

The four numbers investors check

Cash flow shows what you keep each month. Cap rate (NOI over price) compares properties regardless of financing. Cash-on-cash shows the return on the cash you put in. DSCR (NOI over debt service) is what many lenders use to approve the loan.

Budget for the costs people forget

Vacancy, maintenance and management turn a promising rent into a thin return. Use realistic percentages, not zero.

Frequently asked questions

What is a good cap rate?

It varies by market and property type. Compare against similar properties nearby and against your financing cost.

What DSCR do lenders want?

DSCR loans commonly ask for 1.0 to 1.25 or higher. Check with your lender.

Does it include taxes and depreciation?

No. Results are before income tax and depreciation.

Is my data saved?

Only in your browser. Nothing is sent to a server.