Operational

Rental Property Calculator

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Purchase Information

$

The total purchase price of the property

Loan Details

%
%
$

Legal fees, inspections, appraisals, etc.

Repair Details

$
$

Monthly Operating Expenses

$
$
$
$
$
%
%
%
%
%

Rental Income & Management

$

Expected monthly rental income

$

Parking, laundry, storage fees

%

Expected vacancy percentage

%

Annual rent increase rate

%
%

Property management fee (0 if self-managed)

Exit Strategy & Sale

$
%

How long will you hold the property?

%

Realtor fees, closing costs, etc.

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Table of Content

Rental Cash Flow, ROI, IRR & DSCR

You can review any deal in just a few minutes. This easy rental property calculator shows monthly and yearly cash flow. It also calculates cap rate, cash-on-cash ROI, IRR, DSCR, and payoff. This helps you quickly see the return on investment for rental properties.

Use it as a rental ROI calculator, cash flow calculator, or property investment calculator. It can also help you understand rental mortgage payments. Unlike many other calculators, this one shows DSCR and compares scenarios side by side. This makes your decisions quicker.

What you can do

  • See line-by-line cash flow and NOI (monthly & annual) to understand true rental property cash flow.
  • Check the returns: cap rate, cash-on-cash (your ROI on rental property), IRR, and equity multiple. This is what you expect from an investment property ROI calculator.
  • View lender metrics: DSCR, breakeven occupancy, and breakeven rent—key signals most calculators don’t surface together.
  • Compare Base, High-Vacancy, and Pro-Managed scenarios side-by-side. This will aid in grasping what truly influences the agreement.
  • Sense-check price with a quick rental property value calculator view (NOI ÷ market cap rate).

How to use

  1. Enter price, down payment, interest rate, term, closing costs, and any repairs/ARV. To adjust payments, first open the Reverse Mortgage Calculator. Then, bring the numbers back to this place."
  2. Add rent, vacancy %, taxes, insurance, HOA/condo, maintenance/CapEx reserve, utilities, and management %. "Unsure about rent?" Cross-check with the Rent Increase Calculator and local comps.
  3. Pick a hold period and choose either an appreciation rate or a target sell price. Then, calculate and compare scenarios. This is great for a quick cash flow check before you visit the property. If owning vs renting is still unclear, run the Rent Vs Buy Calculator with PMI in parallel.

Inputs

  • Buy & loan: Purchase price, closing costs, down payment, interest rate, term, points/credits, repairs and after-repair value (ARV).
  • Income: Monthly rent and other income; vacancy %; optional rent growth.
  • Operating: Property tax, insurance, HOA/condo fees, maintenance & CapEx reserve, utilities, management %.
  • Financing options: Interest-only or ARM, refinance at a future date, extra principal payments.
  • Sell: Hold years, appreciation, or set a sell price, and selling costs. For a wider look at fees and proceeds, compare with the Commercial Real Estate Calculator.

Results you’ll get

  • NOI and operating expense ratio.
  • Monthly & annual cash flow (before tax) and simple payback years.
    • Cap rate and cash-on-cash ROI (your investment property roi calculator view).
  • IRR with/without sale and equity multiple.
  • DSCR, breakeven occupancy, and breakeven rent.
  • "Use the rental mortgage calculator to see how amortization and equity build up."
  • Value lens: a quick tool to estimate rental property value. It uses NOI and a market cap rate.

Scenario Lab

Toggle Base, High-Vacancy (+3%), and Pro-Managed (+8%). Instantly see how NOI, cash flow, cash-on-cash, IRR, DSCR, and equity shift. This turns your screen into a mini rental ROI calculator and cash flow calculator. You can see how vacancy and management fees impact your offer before you write it.

Formulas

  • NOI = (Gross rent − Vacancy) + Other income − Operating expenses
  • Cap rate = NOI ÷ Current value (price or ARV)
  • Cash-on-cash ROI = Annual cash flow ÷ Total cash invested
  • DSCR = NOI ÷ Annual debt service (principal + interest)
  • Breakeven occupancy ≈ (Operating expenses + Debt service) ÷ Potential rent
  • IRR = the discount rate that makes the NPV of all cash flows = 0
  • Value (yield method) = NOI ÷ Market cap rate (a quick rental property value calculator perspective).

Example

  • Price 250,000; 20% down; 6.5% for 30 years; closing 5,000; repairs 10,000 (ARV 270,000)
  • Rent 2,100/mo; vacancy 6%
  • Taxes 3,200/yr; insurance 1,400/yr; CapEx/maintenance 150/mo; management 

You will see the following details:

- Principal and interest

- Total operating costs

- Effective rent after vacancy

- Cash flow from the rental property. Then, you will get the cap rate, cash-on-cash ROI, IRR, and DSCR to see if they meet your hurdle rate. If the payment seems tight, check the Reverse Amortization Calculator.

API Documentation Coming Soon

Documentation for this tool is being prepared. Please check back later or visit our full API documentation.

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By UrwaTools Editorial
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Frequently Asked Questions

  •  "It's specific to the market.". Use the property investment calculator to try different cap rates. See which ones match your risk and return goals.

  •  Cash-on-cash is a quick rental roi calculator snapshot (annual cash flow ÷ cash invested). For the full picture that includes equity build and sale proceeds, review IRR and equity multiple.

     

  •  Adjust rent to match the market, lower vacancy rates, cut costs for insurance, utilities, and management. Also, think about refinancing or making small extra payments on the principal.

     

  •  Many aim for ≥1.20–1.25, but it varies. Check DSCR in your results before you apply.

     

  •  Yes. Enter realistic average monthly income (after platform fees), higher vacancy, and per-unit costs. The tool still works as a rental cash flow calculator. It also serves as a rental ROI calculator and an investment property ROI calculator for those strategies.

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