Real Estate Calculator

Analyze real estate investments with cash flow, ROI, and profitability calculations

Purchase Price ($)

Down Payment (%)

Closing Costs ($)

Renovation Costs ($)

Interest Rate (%)

Loan Term (years)

Monthly Rent ($)

Other Monthly Income ($)

Property Tax ($)

Insurance ($)

Maintenance & Repairs ($)

Property Management ($)

Vacancy Rate (%)

Cash Flow: Monthly income minus all expenses including mortgage

Cash-on-Cash ROI: Annual cash flow divided by total cash invested

Cap Rate: Net operating income divided by property value

1% Rule: Monthly rent should be at least 1% of purchase price

Cash-on-Cash ROI > 12%, Positive cash flow, Cap rate > 8%

Cash-on-Cash ROI 8-12%, Positive cash flow, Cap rate 6-8%

Cash-on-Cash ROI 4-8%, Break-even cash flow, Cap rate 4-6%

Cash-on-Cash ROI < 4%, Negative cash flow, Cap rate < 4%

Purchase Price: $200,000

Down Payment: $40,000 (20%)

Monthly Rent: $1,800

Monthly Expenses: $600

Mortgage Payment: $800

Monthly Cash Flow: $400

Cash-on-Cash ROI: 12%

• Research local rental markets and comparable properties

• Factor in vacancy rates and unexpected repairs

• Consider property management costs if you won't self-manage

• Analyze neighborhood trends and future development

• Have cash reserves for maintenance and vacancies