Rental Property Cash Flow Calculator
Calculate rental property cash flow and ROI to see exactly how much your investment property will generate each month after all expenses and taxes.
Quick Answer
Cash Flow = Rental Income - (Mortgage + Expenses + Taxes + Vacancy). $2,500 rent - $2,100 costs = $400 monthly positive cash flow. Essential for real estate investment analysis and profitability.
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Monthly Cash Flow: $700
Annual Cash Flow: $8,400
Cap Rate: 7.2%
Key Features
Cash Flow Analysis
Calculate monthly and annual cash flow
ROI Metrics
Cap rate, cash-on-cash return, and ROI
Expense Tracking
Comprehensive property expense analysis
Vacancy Factor
Account for vacancy periods and turnover
How It Works
Enter Property Details
Input property value, rent income, and mortgage details
Add Expenses
Include all property costs like taxes, insurance, maintenance
Set Vacancy Rate
Account for potential vacancy periods
Analyze Returns
See cash flow, cap rate, and investment metrics
Why Calculate Rental Cash Flow?
Investment Analysis
Make informed investment decisions
Profit Planning
Plan for positive cash flow
Risk Assessment
Understand investment risks
Common Rental Property Expenses
Fixed Monthly Expenses
- • Mortgage payment (P&I)
- • Property taxes
- • Insurance premiums
- • HOA fees
- • Property management (if applicable)
Variable Expenses
- • Maintenance and repairs
- • Utilities (if paid by owner)
- • Landscaping
- • Pest control
- • Capital improvements
Key Real Estate Investment Metrics
Cap Rate (Capitalization Rate)
Net Operating Income ÷ Property Value × 100%. Measures property's unleveraged return. Good range: 5-12%.
Cash-on-Cash Return
Annual Cash Flow ÷ Total Cash Invested × 100%. Measures return on actual cash invested. Good range: 8-15%.
Debt Service Coverage Ratio (DSCR)
Net Operating Income ÷ Total Debt Service. Measures ability to cover mortgage payments. Minimum: 1.2 for most lenders.
Gross Rent Multiplier (GRM)
Property Price ÷ Annual Gross Rent. Quick valuation metric. Lower is better. Typical range: 5-12.
Analyze Your Rental Investment
Calculate rental property cash flow and make smarter real estate investment decisions
Use Full CalculatorFrequently Asked Questions
What's a good cash flow for rental property?
Aim for minimum $100-200 per unit monthly positive cash flow. Experienced investors often target $300-500+ per unit for better returns and risk buffer.
How much should I budget for maintenance?
Rule of thumb: 1% of property value annually for maintenance, or 10% of rent income. Older properties may need 15-20% for higher maintenance costs.
Should I include vacancy in calculations?
Yes, always include vacancy. Conservative investors use 10% vacancy rate, while optimistic investors might use 5%. This accounts for turnover periods between tenants.
What cap rate should I look for?
Depends on location and property type. Generally: 5-8% for stable areas, 8-12% for higher-risk/value-add properties, 12%+ for opportunistic investments.