Rental Property Analyzer
Analyze cash flow, returns, and 30-year projections for any rental property.
Property & Loan Details
The total price you're paying for the property.
$
Percentage of purchase price paid upfront. Investment properties typically require 20-25%.
%
= $62,500
Annual interest rate. DSCR loans typically 7-9%.
%
Length of loan in years. 30 years is standard.
yrs
One-time costs at closing. Typically 2-5% of purchase price.
%
= $7,500
Rental Income
Expected monthly rent. Research comparable rentals in the area.
$
= $24,000/year
Pet rent, storage, parking, laundry, etc.
$
/mo
Operating Expenses
Monthly property taxes. Check your county assessor.
$
/mo
Landlord/rental property insurance.
$
/mo
Homeowners association fees if applicable.
$
/mo
% of rent to manager. Typically 8-12%. Include even if self-managing.
%
= $200/mo
Expected vacancy rate. 5-10% is typical.
%
= $100/mo
Ongoing repairs. Budget 5-10% of rent.
%
= $100/mo
For major replacements: roof, HVAC, appliances. 5-10% recommended.
%
= $100/mo
Utilities if included, lawn care, pest control, etc.
$
/mo
Projection Settings
Monthly Cash Flow
$427
per month
Gross Income$2,000
Operating Expenses-$875
Mortgage (P&I)-$1,311
Net Cash Flow$427
Key Metrics
Cash on Cash Return ⓘAnnual cash flow ÷ total cash invested. 8-12%+ is good.
7.3%
Cap Rate ⓘNOI ÷ property value. Measures unlevered return. 5-10% typical.
5.4%
DSCR ⓘNOI ÷ annual debt service. Lenders require 1.0-1.25 minimum.
1.08
1% Rule ⓘMonthly rent ÷ purchase price. Goal is ≥1%.
0.80%
GRM ⓘPrice ÷ annual rent. Lower is better. Under 10 is good.
10.4
Annual NOI ⓘNet Operating Income. Gross income minus operating expenses.
$13,500
Investment Summary
Down Payment$62,500
Closing Costs$7,500
Total Cash Needed$70,000
Loan Amount$187,500
Monthly Mortgage$1,311
Ready to finance this deal?
Get pre-qualified for a DSCR loan. No income docs needed.
Get a DSCR QuoteLong-Term Projections
| Year | Property Value | Annual Rent | Cash Flow | Total Return | CoC |
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