Estimate financed rental-property cash flow, NOI, cap rate, cash-on-cash return, DSCR, and the one-percent-rule ratio.
USD inputs · transparent calculation assumptions
Instant updates as inputs change
Data is calculated in this browser only
USD inputs · transparent calculation assumptions
Pre-tax cash-flow estimate; keep separate reserves for repairs, vacancy, and capital expenditures.
Estimated monthly rental cash flow$40.66
Monthly effective income
$2,327.50
Monthly operating expenses
$730.20
Monthly mortgage payment
$1,556.64
Annual net operating income (NOI)
$19,167.60
Annual cash flow
$487.97
Cap rate
6.39%
Cash-on-cash return
0.7%
Debt-service coverage ratio
1.03
Monthly rent / price
0.8%
Initial cash invested
$70,000.00
Calculation notes
Understand the Rental property cash flow calculator
Apply vacancy to rent and other income, subtract management, maintenance, tax, insurance, and HOA for NOI, then subtract the mortgage payment for cash flow. Cash-on-cash divides annual cash flow by down payment plus closing and initial repairs. The calculation runs locally and keeps cash-flow timing consistent with the stated assumptions.
Formula and logic
How do I calculate rental cash flow after vacancy and a mortgage?
Apply vacancy to rent and other income, subtract management, maintenance, tax, insurance, and HOA for NOI, then subtract the mortgage payment for cash flow. Cash-on-cash divides annual cash flow by down payment plus closing and initial repairs.
Worked example
How much cash is invested in a $300,000 rental with 20% down and $10,000 costs?
A $300,000 property with 20% down starts with a $240,000 loan. Adding $6,000 closing and $4,000 repairs makes cash invested $70,000 before reserves.
How to read the result
What is the difference between NOI and monthly cash flow?
NOI is before mortgage payments; cash flow is after debt service.
DSCR above 1 means modeled NOI covers scheduled mortgage payments, but lender thresholds vary.
Limits and assumptions
What does rental-property DSCR above 1 mean?
Uses flat monthly income and costs and excludes reserves, utilities, legal/accounting fees, capital expenditures, income tax, depreciation, rent growth, and selling costs. Loan approval and local rules are outside the model.