Cash flow
What remains each month after estimated vacancy, operating costs, reserves, and the mortgage payment.
Run the numbers before you fall for the listing.
A fast first-pass rental analysis for cash flow, returns, and what the deal could look like in ten years.
Quick screen, not a full underwriting.
Use it to decide which properties deserve a closer look.
Use it to decide which properties deserve a closer look.
Property numbers
Purchase & loan
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Income & operating costs
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Projection assumptions
Smart defaults for a quick screen. Change them if your market calls for it.
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Ten-year outlook
Projected gain combines cumulative cash flow with equity above your initial cash invested. It’s a planning view, not a promise.
Projected gain by year 10$0
PROJECTED GAIN
| Year | Monthly rent | Annual cash flow | Property value | Loan balance | Owner equity | Projected gain |
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Cap rate
Annual net operating income divided by purchase price. It compares the property itself before financing.
Cash-on-cash return
Annual cash flow divided by upfront cash: down payment plus estimated closing costs.
Estimates exclude income taxes, depreciation, utilities, leasing fees, renovation costs, and sale costs. Confirm assumptions with local professionals before making an offer.
How do I know if a rental property is a good deal?
Run the numbers before you fall in love with the listing. A good deal has positive monthly cash flow after all expenses, and a cash-on-cash return that beats what your money could earn elsewhere. This analyzer computes both in about two minutes.
What expenses should I include when analyzing a rental?
More than most beginners expect: property taxes, insurance, maintenance reserves, vacancy allowance, property management, and your mortgage payment. Missing even one can turn a deal that looks profitable into one that loses money every month.
What is a good cash-on-cash return for a rental property?
Many investors look for 8 to 12 percent or higher, but the right target depends on your market and your alternatives. Cash-on-cash tells you what your actual invested dollars earn each year, which makes it the most honest single number for comparing deals.