Real Estate Investment Calculator

Analyze your rental property investment with detailed cash flow, ROI, and appreciation projections.

Property Details

Purchase Price ($)

Down Payment (%)

Closing Costs ($)

Repair/Renovation Costs ($)

Financing Details

Interest Rate (%)

Loan Term (years)

Rental Income

Monthly Rent ($)

Other Monthly Income ($)

Vacancy Rate (%)

Monthly Expenses

Property Tax Rate (%)

Annual Insurance ($)

Maintenance (% of value)

Property Management (% of rent)

Monthly Utilities ($)

Monthly HOA Fees ($)

Appreciation

Annual Appreciation Rate (%)

Understanding Real Estate Investment Metrics

Cash Flow

Monthly rental income minus all expenses including mortgage, taxes, insurance, maintenance, and management fees. Positive cash flow means the property generates more income than expenses.

Cap Rate (Capitalization Rate)

Net operating income divided by property value. This measures the property's potential return without considering financing. Higher cap rates typically indicate better returns but may come with higher risk.

Cash on Cash ROI

Annual cash flow divided by total cash invested (down payment + closing costs + repairs). This shows your actual return on the money you put into the investment.

Equity Build

Combination of loan principal paydown and property appreciation. As you pay down the mortgage and the property value increases, your equity grows.

Investment Property Tips

The 1% Rule: Monthly rent should be at least 1% of purchase price for good cash flow
Cap Rate Target: Aim for 8-12% cap rate in most markets for solid returns
Vacancy Buffer: Always factor in 5-10% vacancy rate even in strong rental markets
Maintenance Reserve: Budget 1-2% of property value annually for repairs and maintenance
Market Research: Study local rental rates, appreciation trends, and job growth
Professional Inspection: Always get thorough inspection before purchase

Note: This calculator provides estimates based on the information you enter. Actual returns may vary significantly based on market conditions, property management quality, unexpected repairs, tenant issues, and economic factors. Real estate investments carry risks including property value decline, extended vacancies, costly repairs, and liability issues. This calculator does not account for taxes, which can significantly impact your returns. Consult with real estate professionals, accountants, and financial advisors for specific investment advice tailored to your situation.

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