Rental Property ROI & Cap Rate Calculator

Calculate Cap Rate, Cash-on-Cash Return, Net Operating Income (NOI), cash flow, 1% rule, and multi-year wealth growth.

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Rental Property ROI, Cap Rate & Cash-on-Cash Calculator

Analyze real estate investment properties: Net Operating Income (NOI), Cap Rate, Cash-on-Cash return, monthly cash flow, 1% rule validation, DSCR debt coverage, and 10-year wealth projections.

1. Purchase Price & Initial Investment

Define the acquisition cost, down payment, closing costs, and initial rehab expenses.

Purchase Price ($)

Contract purchase price

Down Payment (%)

$60000 down

Closing Costs (%)

≈ $9000 (Title, lender, escrow)

Initial Rehab / Repairs ($)

Pre-rent renovation cost

2. Rental Income & Vacancy

Gross monthly rents, ancillary income streams, and vacancy rate allowance.

Monthly Gross Rent ($)

Base rent from all units

Other Monthly Income ($)

Parking, storage, laundry, pet fee

Vacancy Rate (%)

5% = ~18 vacant days/year

3. Operating Expenses & Reserves

Taxes, insurance, property management, and ongoing maintenance/CapEx allocations.

Property Taxes ($/Year)

≈ $300/mo

Landlord Insurance ($/Year)

Hazard / liability policy

HOA / Condo Dues ($/Mo)

Enter 0 if none

Landlord Utilities ($/Mo)

Water, trash, common power

Property Management (% of Rent)

Typical: 8% - 10% (0% if self-managed)

Maintenance Reserve (% of Rent)

Plumbing, HVAC servicing, turns (5-8%)

CapEx Reserve (% of Rent)

Roof, water heater, appliances (5-8%)

4. Mortgage Financing & Annual Appreciation

Configure loan interest rate, amortization term, and future growth rates.

Purchase All-Cash (No Mortgage Debt)

Skip monthly principal & interest debt service.

Mortgage Interest Rate (%)

Current investment property rate

Loan Term (Years)

Amortization period

Annual Property Appreciation (%)

Historical US avg: 3% - 4%

Annual Rent Growth (%)

Annual tenant lease renewal escalation

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