Rental Calculator
Real Estate Investment Analysis
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Financial Data:
Mortgage Information
Current Equity %:
25.0%
Equity Amount:
$55,000
Loan-to-Value (LTV):
75.0%
Summary:
Gross Income (annual):
$22,904
Gross Annual Income:
Monthly Rent × 12
Example:
• Monthly Rent: $5,000
• Annual Income: $5,000 × 12 = $60,000
This is the total rental income before any expenses.
Gross Income (monthly):
$1,909
Gross Monthly Income:
Annual Gross Income ÷ 12
This is your monthly rental income before expenses.
Total Mortgage Payment + Operating Expense (monthly):
$1,109
Total Monthly Expenses:
Total Mortgage Payment + (Operating Expenses ÷ 12)
Includes:
• Total Mortgage Payment (PITI)
• Monthly Operating Expenses (HOA, Management, Repairs)
This is your total monthly obligation for the property.
Net Cash Flow (monthly):
$800
Net Cash Flow Calculation:
Gross Income - Total Mortgage Payment - Operating Expenses
This represents:
• Monthly cash left after all expenses
• Including mortgage, taxes, insurance, and operating costs
• Your actual monthly profit/loss
Positive = cash flow positive, Negative = cash flow negative
Cash On Cash Return:
18.18%
Cash on Cash Return:
(Annual Cash Flow ÷ Cash Invested) × 100
Measures:
• Return on your actual cash invested
• Excludes financed portion
• Annual percentage return
Good deals typically target 8-12%+ cash-on-cash return.
Cap Rate:
10.52%
Capitalization Rate:
((Gross Income - Operating Expenses) ÷ Total Property Cost) × 100
Measures:
• Property's return regardless of financing
• Market comparison metric
• Property performance indicator
Uses NOI (Net Operating Income) which is Gross Income minus Operating Expenses. Higher cap rates typically indicate better returns but may signal higher risk areas.
Cash Flow (annual):
$9,598
Cash Flow (monthly):
$800
Years to Earn back Down Pmt:
5.5
Debt Service Coverage Ratio:
1.72
Debt Service Coverage Ratio (DSCR):
NOI ÷ Monthly Mortgage Payment
Where NOI = Gross Income - Operating Expenses
Measures:
• Property's ability to cover debt payments
• Lender requirement (typically need 1.20+)
• Risk indicator for cash flow
DSCR > 1.0 means property generates enough income to cover mortgage. Most lenders require 1.20-1.25 minimum.
Operating Expenses:
Property Details:
Short Term/Midterm Calculation
AirBnB, VRBO, etc.
Input Fields
Utilities/Maintenance
# of estimated cleanings × cost per cleaning
Results
Gross Monthly Income:
$3,468
Less: Mortgage Payment:
$1,200
Less: Utilities/Maintenance:
$450
Net Monthly Income:
$1,818
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