Rental Property Calculator | Cash Flow, Cap Rate & CoC
Rental Property Calculator
Estimate monthly cash flow, cap rate, cash-on-cash return and the 1% rule for any buy-and-hold rental. Adjust the assumptions to match your market and lender.
Purchase & Financing
Income
Operating Expenses
Deal Results
| Total cash to close | — |
|---|---|
| Loan amount | — |
| Monthly debt service (P&I) | — |
| Effective gross income /mo | — |
| Operating expenses /mo | — |
| Net operating income /yr | — |
| Gross rent multiplier | — |
How this is calculated. Effective gross income is rent plus other income, less vacancy. Operating expenses include management, maintenance and CapEx as a percentage of gross rent, plus taxes, insurance, HOA and owner-paid utilities — but not debt service. Cap rate is annual NOI divided by purchase price, so it ignores financing and lets you compare properties on equal footing. Cash-on-cash divides annual cash flow by the total cash you actually put in. The 1% rule is monthly rent as a percentage of purchase price; it is a screening heuristic, not a decision rule. Estimates for planning only.
The best buy-and-hold numbers come from off-market sellers. Browse county lead lists on ListCentral — absentee owner, tax delinquent, probate and inherited property records across 3,143 US counties. Request a free county sample before you buy.