Calculator
Rental Property ROI Calculator
Underwrite any rental in seconds. We model financing, vacancy, reserves, management, and appreciation — and assign every deal an Investment Score.
Property Inputs
Adjust any value — results update live.
Investment Intelligence
Investment Score
- →Cash flow is negative — renegotiate price or raise modeled rent to break even.
- →Cash-on-cash return is below 6% — explore better financing or higher-rent submarkets.
- →Generate the premium report to model 10-year cash flow and equity growth.
Investment Summary
PoorDeal breakdown
- Down payment
- $87,500
- Loan amount
- $262,500
- Cash invested
- $93,500
- Monthly mortgage
- $1,746
- Gross rent (annual)
- $31,200
- Vacancy loss
- -$1,560
- Operating expenses
- -$10,692
- Annual debt service
- -$20,957
Generate Premium Investment Report
Detailed risk assessment, 10-year cash flow projection, equity growth model, sensitivity analysis, and an exportable PDF report — generated from your inputs.
Free to generate. No signup required.
How this calculator works
We compute net operating income (NOI) as effective rent minus operating expenses (taxes, insurance, maintenance reserves, management, HOA). Cash flow is NOI minus annual debt service. Cash-on-cash return divides annual cash flow by total cash invested (down payment + closing costs). Total return adds principal paydown and modeled appreciation. The Investment Score blends these signals with risk and market factors into a single 0–100 grade. See our methodology for the full formulas.