Free Calculator
Investment property calculator
Full buy-and-hold analysis — monthly cash flow, cap rate, cash-on-cash return, and DSCR — for any rental property you're evaluating.
Deal inputs
Full investment property analysis
Built for brokers and investors. Results update live.
Used on PDF export — e.g., "123 Main St — Option A"
Financing
Fully amortizing over 30 years.
Income
Operating expenses
Monthly cash flow
Enter your purchase price, loan amount, rate, and gross rent to see DSCR, cash flow, and full returns analysis.
Estimates only. Final underwriting may vary.
Disclaimer: Analysis is illustrative based on inputs you provide. Actual cash flow, cap rate, and DSCR in underwriting may differ. Results do not account for tax implications, appreciation, or principal paydown. Not a commitment to lend. Subject to credit, property, and program guidelines.
How to use this calculator
- 1
Enter purchase price and loan assumptions
Purchase price, down payment (typical 20-25% on investment property), interest rate, and loan term drive your financing cost and starting equity.
- 2
Enter gross monthly rent
Use in-place lease rent for stabilized properties, or market rent (appraiser-estimated) for vacant ones. For multi-unit, use total rent across all units.
- 3
Enter operating expenses
Property taxes, insurance, HOA, property management fees, maintenance, and vacancy reserve. Using percentage-based reserves (5% maintenance, 5% vacancy, 5% CapEx) is standard conservative practice.
- 4
Review the four metrics
Cash flow tells you monthly income. Cap rate is unleveraged yield. Cash-on-cash is your return on actual cash invested. DSCR confirms loan qualification.
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Questions
Investment property analysis FAQs
Cap rate varies by market. In expensive metros (NYC, LA, SF), a 4–6% cap rate is common. In mid-sized cities and the Midwest, 7–10% is typical. Higher cap rates mean more yield but often come with more risk or lower appreciation.
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