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Rental Income Estimator
Calculate cashflow, cap rate, and ROI
Rental Income Estimator
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
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
Investment 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 pre-tax cash return divided by total cash invested. Good target: 8-12%
Cap Rate
Net Operating Income / Property Value. Measures return without financing. Target: 5-10%
1% Rule
Monthly rent should be at least 1% of purchase price. Quick rule of thumb.