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Investment Property Analyzer

Evaluate rental properties with cash-on-cash, cap rate, and IRR

How This Calculator Works

Cap Rate: NOI / Purchase Price. Shows return if paid all cash. Above 6% is good.

Cash-on-Cash: Annual cash flow / cash invested. Your actual return. Above 8% is strong.

DSCR: NOI / Debt Service. Above 1.25 means healthy cash flow coverage.

IRR: Total return including appreciation. The true investment performance.

Purchase Details

Purchase Price

Down Payment %

Closing Costs %

Rehab/Repair Cost

Financing

Interest Rate %

Loan Term (years)

Monthly Income

Monthly Rent

Vacancy Rate %

Other Income

Annual Expenses

Property Tax

Insurance

Maintenance %

Mgmt Fee %

HOA (monthly)

Utilities (monthly)

Projections

Rent Growth %/yr

Appreciation %/yr

Expense Growth %/yr

Hold Period (yrs)

Selling Costs %

Cap Rate

5.4%

NOI / Price

Cash-on-Cash

-2.2%

Cash flow / invested

Monthly Cash Flow

-$180

After all expenses

DSCR

0.90x

NOI / Debt service

5-Year IRR

3.3%

10-Year IRR

7.8%

Break-Even Occupancy

102.2%

Monthly Cash Flow Breakdown

Income

Effective Rent$2,375

Total Income$2,375

Expenses

Operating Expenses$809

Mortgage Payment$1,746

Total Expenses$2,555

Net Monthly Cash Flow-$180

Investment Summary

Down Payment$87,500

Closing Costs$10,500

Rehab Costs$0

Total Cash Required$98,000

Loan Amount$262,500

Monthly P&I$1,746

Gross Rent Multiplier11.7

Annual NOI$18,795

Equity & Cash Flow Projection

Year-by-Year Projections

Year	Property Value	Equity	Cash Flow	Total Return
1	$350,000	$87,500	-$2,162	-$33,662
2	$360,500	$100,667	-$1,501	-$22,627
3	$371,315	$114,341	-$818	-$10,420
4	$382,454	$128,546	-$113	$3,004
5	$393,928	$143,307	$615	$17,692
6	$405,746	$158,651	$1,367	$33,693
7	$417,918	$174,603	$2,144	$51,059
8	$430,456	$191,194	$2,946	$69,844
9	$443,370	$208,454	$3,775	$90,104
10	$456,671	$226,416	$4,631	$111,899