What does a rental property calculator measure?
It estimates debt service, net operating income, monthly cash flow, cap rate, cash-on-cash return, DSCR, and whether rent clears a simple 1% rule check.
Rental Property Calculator (Free, No Sign-Up)
Analyze cap rate, cash-on-cash, and long-term rental returns.
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Search live ZIP inventory first, then run the best address through this calculator before you call, bid, or spend money on deeper due diligence.
Results
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Positive but tight DSCR
- Loan amount
- $144,000
- Cash invested
- $51,000
- Monthly debt service
- $958
- Monthly NOI
- $1,130
- Monthly cash flow
- $172
- Cap rate
- 7.1%
- Cash-on-cash
- 4.0%
- DSCR
- 1.18
- 1% rule met?
- Yes
Worked example
How to read the rental return
A rental only works when income covers operating costs, debt service, and reserves after the purchase and rehab cash are counted.
This example is positive, but not wide open: the cap rate is about 7.1%, cash-on-cash is about 4.0%, and DSCR is about 1.18 before any surprise repairs.
Purchase plus rehab$190,000
Cash invested$51,000
Monthly NOIabout $1,130
Monthly debt serviceabout $958
Monthly cash flowabout $172
Rental Property Calculator FAQs
Should rehab costs count in rental returns?
Yes. Rehab affects cash invested and your all-in basis, so it changes both cash-on-cash return and cap rate.
What is a good DSCR for a rental?
Many lenders like to see DSCR around 1.20 or higher, but the right threshold depends on the loan, market, property condition, and your risk tolerance.
Why can cash flow be positive while cash-on-cash looks low?
Cash-on-cash compares annual cash flow to the cash you invested. A property can produce some monthly cash flow but still return little against a large down payment, rehab, and closing-cost base.
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