Rental Property Investment Calculator

Estimate a rental property's potential cash flow and investment returns. Enter the purchase, financing, income, and expense details below to generate an instant property analysis.

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Property Information

Property Address

Purchase Price

Closing Costs

Initial Renovation Costs

Financing Details

Down Payment (%)

Down Payment ($)

Interest Rate (%)

Loan Term

Monthly Rental Income

Expected Monthly Rent

Other Monthly Income

Examples: parking, laundry, storage, or pet fees.

Operating Expenses

Annual Fixed Expenses

Property Taxes (Annual)

Property Insurance (Annual)

Variable Expenses (% of Rent)

Repairs & Maintenance

Capital Expenditures

Vacancy Allowance

Property Management

Other Monthly Expenses

Utilities (Owner)

HOA Fees

Other Expenses

Investment Summary

Estimated monthly performance

Monthly Cash Flow

-$295

-$3,537 annually

Cash on Cash Return

-3.85%

Cap Rate

5.06%

1% Rule

0.71%

DSCR

0.83

Monthly Breakdown

Gross Income$2,500

Operating Expenses-$1,025

Net Operating Income$1,475

Mortgage Payment-$1,770

Cash Flow-$295

This property generates an estimated shortfall of $295 per month. Consider adjusting the purchase price, down payment, or expected rent.

Property Investment Analysis

Generated Report • 8/21/2026

Purchase & Financing

Purchase Price: $350,000

Down Payment: $70,000 (20%)

Loan Amount: $280,000

Interest Rate: 6.5%

Loan Term: 30 Years

Total Cash Invested: $92,000

Income & Expenses

Gross Monthly Income: $2,500

Monthly Operating Expenses: $1,025

Net Operating Income (NOI): $1,475

Monthly Mortgage: $1,770

Monthly Cash Flow:-$295

Return Metrics

Cash on Cash

-3.85%

Ref: 8%-12%

Cap Rate

5.06%

Ref: 6%-10%

GRM

11.67

Ref: 4-7

1% Rule

0.71%

Ref: > 1%

This calculator provides estimates for educational and informational purposes only. Results depend on the accuracy of the information entered and may not include every cost associated with purchasing, financing, owning, or selling real estate. Taxes, insurance, interest rates, rents, vacancies, maintenance costs, market conditions, and other expenses may change. This tool does not provide financial, tax, legal, lending, or investment advice.

Ray Guerrero's Tip

Cash flow is important, but don't forget to budget for vacancy, maintenance, and long-term improvements when evaluating rental properties.

A Quick Note From Ray Guerrero

I hope this calculator gives you a better understanding of your options. Every property is unique, and online calculators can only estimate part of the picture. If you'd like to review your numbers, discuss the local rental market, or ask questions, I'd be happy to help.

Questions? Let's Talk.

If you're ready to take the next step—or simply have questions about buying or selling a home—I'm here to help. Let's have a conversation.

Call Ray (949) 776-4894 Browse Available Homes