Rental analysis tool

Rental Property ROI Calculator

Analyze a rental deal with real landlord math — monthly cash flow, annual cash flow, cap rate, cash-on-cash return, operating expense ratio, break-even occupancy, and a simple 5-year snapshot.

Built for independent landlords Live results Deal quality grading

Property and financing inputs

Start with the core deal numbers. Results update instantly as you type.

Purchase price ($) Total acquisition price for the property.

Down payment (%) Used to estimate loan amount and monthly payment.

Interest rate (%) Annual mortgage interest rate.

Loan term (years) Amortization period for the loan.

Closing costs ($) Acquisition costs paid up front.

Rehab / make-ready ($) Initial repairs, updates, or turnover work.

Income and operating assumptions

Use realistic numbers. Conservative inputs make this tool more useful.

Monthly rent ($) Expected gross monthly rent when occupied.

Other monthly income ($) Parking, pet fees, laundry, storage, or other income.

Vacancy allowance (%) Reserve for expected vacancy and turnover downtime.

Management fee (%) Use 0 if self-managing, or a realistic manager fee.

Property taxes / month ($) Monthly equivalent of annual property taxes.

Insurance / month ($) Landlord insurance or dwelling policy.

Maintenance reserve (%) Reserve for routine repairs and upkeep.

HOA / condo fees / month ($) Monthly dues, association fees, or condo fees.

Owner-paid utilities / month ($) Only include utilities paid by the owner.

Other monthly costs ($) Lawn care, admin tools, pest control, etc.

How to read the results

This tool is designed to help you underwrite a deal quickly, not replace a full lender or tax model.

Cap rate Net operating income divided by purchase price.	—
Cash-on-cash return Annual pre-tax cash flow divided by total cash invested.	—
Operating expense ratio Operating expenses divided by effective gross income.	—
Break-even occupancy Minimum occupancy needed to cover all modeled costs.	—

Monthly cash flow

After modeled expenses and debt service

Analyzing deal

Annual cash flow $0

Total cash invested $0

Cap rate 0.00%

Cash-on-cash return 0.00%

Gross rent multiplier 0.00

Expense ratio 0.00%

Break-even occupancy 0.00%

Monthly mortgage $0

Deal strength 0 / 100

Enter your numbers to see a live landlord-focused analysis of this property.

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These results are estimates for screening deals quickly. Taxes, financing terms, reserve strategy, and local conditions can materially change actual performance.

Monthly breakdown

Gross scheduled rent	$0
Other income	$0
Vacancy allowance	-$0
Management	-$0
Maintenance reserve	-$0
Taxes	-$0
Insurance	-$0
HOA / condo fees	-$0
Owner-paid utilities	-$0
Other monthly costs	-$0
Net operating income (monthly)	$0
Mortgage payment	-$0
Cash flow	$0

5-year snapshot

Projected monthly rent in year 5	$0
Projected annual cash flow in year 5	$0
Projected property value in year 5	$0
Estimated loan balance in year 5	$0
Estimated net equity after selling costs	$0

Next steps

Use this calculator as the front door, then move deeper into your workflow.

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