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Rental Cash Flow Calculator
Analyze the cash flow, cap rate, and cash-on-cash return for any rental investment property. Enter the rent, purchase price, financing terms, and operating expenses to see whether a deal cash flows positively.
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Purchase & Financing
Operating Expenses
Understanding the metrics
- Cap rate: Net Operating Income divided by purchase price. Ignores financing. A 6-8% cap rate is typical for single family rentals in most markets. Higher is better.
- Cash-on-cash return: Annual cash flow divided by your total cash invested (down payment + closing costs). This is your actual return on the money you put in. 8-12% is a common target.
- Rent-to-price ratio: Monthly rent divided by purchase price. The 1% rule says this should be at least 1%. Properties below 0.8% are difficult to make cash flow.
- Monthly cash flow: The money left over after all expenses. Positive cash flow means the property pays for itself and puts money in your pocket. Negative cash flow means you're feeding the property every month.
For a deeper dive into rental analysis, see our guide on how to analyze rental cash flow and our ARR glossary entry.