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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

I previously lived in this property

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

3.9%

10-Year IRR

8.1%

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	$90,167	-$2,162	-$9,996
2	$360,500	$103,526	-$1,501	$1,863
3	$371,315	$117,407	-$818	$14,925
4	$382,454	$131,834	-$113	$29,239
5	$393,928	$146,833	$615	$44,853
6	$405,746	$162,431	$1,367	$61,818
7	$417,918	$178,656	$2,144	$80,188
8	$430,456	$195,540	$2,946	$100,018
9	$443,370	$213,115	$3,775	$121,367
10	$456,671	$231,413	$4,631	$144,296