Interactive Tool

Rental Property Cash Flow Calculator

Estimate monthly cash flow, cap rate, and cash-on-cash return for a rental property investment.

Inputs

Purchase Price

Down Payment

20% ($120,000)

5%50%

Interest Rate

5.50%

1%10%

Amortization

Monthly Rent

Annual Property Tax

Annual Insurance

Maintenance

1%/yr

0.5%3%

Management Fee

0%15%

Vacancy Rate

0%15%

Monthly Condo Fees

Monthly Cash Flow

-$1,531

Annual Cash Flow

-$18,371

NOI

$17,000

Cap Rate

2.83%

Cash-on-Cash

-15.31%

Gross Rent Multiplier

20x

What This Means

This property has negative cash flow of -$1,531 per month, meaning you would need to cover $1,531 out of pocket each month. To turn this positive, you could increase rent, put more down, or find a lower-priced property.

RAZZ Insight

Negative cash flow is not always a dealbreaker if you are counting on appreciation. However, in the current rate environment, make sure you can sustain the monthly shortfall for at least 3-5 years. Many investors got caught when rates rose and rents did not keep pace.

Results are estimates only and may vary based on lender policies, market conditions, and individual circumstances. Consult a mortgage broker or financial advisor for accurate figures.

Need Guidance?

Get a second opinion on your real estate situation. No pressure, no obligation.

The RAZZ Report

Market insights and practical advice delivered to your inbox.