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Rental Property Scenario
Model cash flow and return ratios from your assumptions
Rental Cash-Flow Scenario
Pre-filled for Any City
Property
Purchase Price$350,000
Monthly Rent$1,800
Down Payment20%
Financing
Interest Rate6.5%
Expenses
Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$826
Modeled Monthly Cash Flow
-$9,917/ year
-14.2%
Cash-on-Cash
3.2%
Cap Rate
Monthly Breakdown
+ Rental Income$1,800
− Mortgage (P&I)$1,770
− Property Tax$350
− Insurance$125
− Maintenance$292
− Vacancy Loss$90
= Net Cash Flow-$826
Scenario Summary
Down Payment
$70,000
Loan Amount
$280,000
Total Monthly Expenses
$2,626
Gross Yield
6.2%
How to Use This Calculator
Property Details
Enter the purchase price and expected monthly rent to get started. Adjust down payment and interest rate to match your financing terms.
Expense Breakdown
Fine-tune operating expenses: property taxes, insurance, maintenance, vacancy rate, HOA fees, and property management costs.
Key Metrics Explained
Cash-on-Cash Return
Annual modeled pre-tax cash flow divided by the entered down payment. It excludes closing costs and is not a return forecast.
Cap Rate
Modeled net operating income divided by purchase price, before financing and income tax.
Gross rent ratio
Monthly rent divided by purchase price is a screening ratio, not an investment rule.
This scenario excludes acquisition/closing costs, capital improvements, income tax, depreciation rules, financing fees, legal costs and unexpected repairs. Validate all inputs before using the output.