Cap rate is a property's net operating income divided by its price. It's a quick way to compare the earning power of different properties, regardless of how they're financed.

What is cash-on-cash return?

It's your annual cash flow divided by the cash you put into the deal. It shows how hard your money is working for you.

Why include vacancy and maintenance?

Every rental has empty months and repairs. Building them into your numbers from the start helps you avoid surprises.

Free tool for investors

Rental cash flow calculator

Thinking about buying a rental property? Plug in the numbers and see whether it cash flows before you make an offer.

Purchase and loan

Purchase price

Down payment

Interest rate

Loan term

Purchase closing costs

Default rate last updated October 1, 2026. Your actual rate depends on your lender and credit.

Rent Multi-unit property

Monthly rent

Number of units

Unit 1 rent (monthly)

Unit 2 rent (monthly)

Unit 3 rent (monthly)

Unit 4 rent (monthly)

Expenses

Property taxes (yearly)

Insurance (yearly)

Maintenance (% of rent)

Vacancy (% of rent)

Property management (% of rent)

Utilities (monthly)

HOA (monthly)

Other (monthly)

Monthly cash flow

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Enter a price and rent to see results.

This property would cost you money each month at these numbers.

Annual cash flow
Net operating income (yearly)
Debt service (monthly)
Operating expenses (monthly)
Cap rate
Cash-on-cash return

1% rule check: rent is of the price. Some investors look for 1% or more as a quick screen. It's information, not a verdict.

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Questions people ask

What is cap rate?: Cap rate is a property's net operating income divided by its price. It's a quick way to compare the earning power of different properties, regardless of how they're financed.
What is cash-on-cash return?: It's your annual cash flow divided by the cash you put into the deal. It shows how hard your money is working for you.
Why include vacancy and maintenance?: Every rental has empty months and repairs. Building them into your numbers from the start helps you avoid surprises.

This calculator provides estimates for illustration only. It is not a loan approval, a guarantee of financing, or financial, tax, or legal advice. Talk with a licensed lender, attorney, or tax professional about your specific situation.

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