Rental Property
Calculator
Calculate cash flow, ROI, and key rental property metrics for informed investment decisions.
Understanding Rental Property Analysis
A comprehensive rental analysis looks beyond purchase price to evaluate income potential, operating expenses, financing impact, and long-term returns. Key metrics like cap rate, cash-on-cash ROI, and NOI guide informed investment decisions.
Why Rental Analysis Matters
Analyze Your Property
Your Rental Analysis
Monthly Cash Flow
$-17/mo
Annual Cash Flow
$-202
Cash-on-Cash ROI
-0.27%
Cap Rate
0.48%
Net Operating Income (NOI)
$1,450/mo
Monthly Payment
$1,467
- Mortgage (P&I)58%
- Operating Expenses42%
Key Rental Metrics Explained
- →Cap Rate: Annual NOI divided by property purchase price. Higher cap rates indicate stronger cash-on-cash returns before financing.
- →Cash-on-Cash ROI: Annual cash flow divided by total cash invested (down payment). Measures actual cash returns on your investment.
- →NOI: Gross rental income minus all operating expenses. Foundation for cap rate and investment analysis.
- →Monthly Cash Flow: Income minus all expenses including mortgage. Positive cash flow provides monthly income and wealth building.
Rental Underwriting Best Practices
- ✓Use conservative estimates: Model higher vacancy rates and maintenance costs than current market to stress-test deals
- ✓Include all expenses: Don't forget insurance, taxes, capex, maintenance, management, and vacancy losses
- ✓Compare to benchmarks: Rentals should target cap rates of 5-8% or cash-on-cash ROI of 10%+ to justify risk
- ✓Plan for growth: Model rent increases, expense growth, and property appreciation over time
💡 Pro Tip
Use this calculator to stress-test scenarios. What if rent is 10% lower? What if vacancy increases to 10%? What if you can negotiate better mortgage terms? Building multiple models helps you understand deal downside risk and identify properties that perform well across different conditions.
Why Investors Choose Us
We specialize in rental property financing for investors who want hassle-free ownership and strong cash flow returns.
up to 75%
Maximum LTV Available
from 1.0
Minimum DSCR
3 weeks
Average Close Time
Rental Property Analysis Examples
Conservative Rental
Purchase Price
$250,000
Monthly Rent
$1,875
Cap Rate
5.2%
Cash Flow
$285/month
Best For
Steady growth, lower risk profile
Strong Performing Rental
Purchase Price
$300,000
Monthly Rent
$2,500
Cap Rate
6.8%
Cash Flow
$612/month
Best For
Balanced income and equity
Premium Cash Flow
Purchase Price
$350,000
Monthly Rent
$3,200
Cap Rate
8.1%
Cash Flow
$1,140/month
Best For
Aggressive cash flow goals
Ready to Finance Your Rental Property?
We offer competitive rental property financing with flexible terms, fast closing, and dedicated investor support.
Get Pre-Qualified in Minutes
Our specialists review applications in minutes. No income documentation required. Closing in as little as 3 weeks.
- ✓ Pre-qualified in minutes
- ✓ No income documentation
- ✓ Closing in as little as 3 weeks
- ✓ Competitive rates for qualified borrowers
5-minute application • Commercial Lending by New City Financial