Cash flow, cap rate and ROI on any rental.
Estimate for planning. Not financial or investment advice.
We compute the mortgage, subtract operating expenses (taxes, insurance, HOA, maintenance, vacancy, management) from effective rent, then derive cap rate, cash-on-cash and total ROI.
Analyze any rental deal with our free tools.
Cash flow is what hits your pocket monthly after every expense including the mortgage. Cap rate ignores financing and shows raw earning power (NOI ÷ price) — best for comparing deals. Cash-on-cash measures return on the cash you invested. Total ROI adds the principal you pay down each year, which is real equity even when cash flow is thin.
Forgetting vacancy, maintenance and management is how a deal that "cash flows" on paper bleeds money in real life. This calculator includes them by default — adjust the percentages to your market and a marginal deal reveals itself before you sign.
Often 5–10% depending on market and risk.
Annual cash flow divided by the cash you invested.
Ignoring them overstates returns; they're real recurring costs.
No — it's a planning estimate.