exact-query utility

Rental Property Cash Flow Calculator

Enter purchase and operating numbers and get a quick estimate of monthly cash flow, cap rate, and cash-on-cash return. This is a quick estimate for planning, not tax or investment advice.

Expected monthly rent Gross rent you can collect each month. Other monthly income Parking, storage, fees, and similar recurring income. Vacancy / rent loss % Use the same reserve style you apply in underwriting. Monthly property tax Monthly property tax estimate. Monthly insurance Hazard, liability, and related costs. Monthly HOA / condo fee If this property has a monthly housing association fee. Monthly maintenance reserve Repairs and routine maintenance plan. Monthly management fee Paid property-management fee per month. Monthly capital reserve Planned reserve for major repairs and replacements. Monthly debt service Principal + interest payment for the property loan. Purchase price Needed only for cap rate output. Cash invested Down payment + closing costs + rehab you funded.

Estimate outputs

Monthly net cash flow

Gross rent minus vacancy, expenses, and debt service.

Annual net cash flow

Cap rate

0.0%

Cash-on-cash return

0.0%

Net operating income (annual)

Debt service coverage ratio (DSCR)

0.00

Quick summary

Run the calculator to generate an export-ready summary.

Need a faster workflow?

The Rental Analysis Worksheet ($19) gives you a cleaner underwriter-style template, extra assumptions, scenario notes, and a printable checklist for lender conversations.

If you compare against lender pay-off statements or servicer payoff packets, use your actual debt service amount.

Reference sources

Calculator assumptions are aligned to common rental reporting structures, including IRS references for reporting context.

Use disclaimer

Results are estimates based on your inputs and should be checked against your lender documents and servicer payoff details. For taxes, expenses, and loss limitations, review the applicable IRS instructions for your filing situation.

No one-size-fits-all tax or investment advice is provided.