Property Details
Purchase Details
Financing
Monthly Income
Fixed Monthly Expenses
Variable Expenses (% of Rent)
Analysis Results
Monthly Cash Flow
$166
$1,986 per year
Cash on Cash Return
4.32%
Annual return on investment
Cap Rate
7.38%
Net Operating Income / Price
Investment Summary
Total Investment
$46,000
Down Payment
$40,000
Loan Amount
$160,000
Monthly Mortgage
$1,064
Monthly Income & Expenses
Additional Metrics
Net Operating Income (NOI)
$14,760
Annual, before debt service
Debt Coverage Ratio
1.16x
NOI / Annual Debt Service
Gross Rent Multiplier
9.26
Price / Gross Annual Rent
Property Value & Loan Balance
- Loan Balance
- Property Value
Watch your property value grow while your loan balance decreases over time
Equity Growth
Your net equity after deducting agent fees when selling
Cumulative Cash Flow
Total cash flow accumulated over time
Total Return
Net equity + cumulative cash flow - initial investment
Long-Term Projections
| Year | Property Value | Loan Balance | Net Equity | Annual Cash Flow | Cumulative Cash Flow | Total Return | ROI |
|---|---|---|---|---|---|---|---|
| 1 | $206,000 | $158,375 | $35,265 | $1,986 | $1,986 | -$8,749 | -19.02% |
| 5 | $231,855 | $150,611 | $67,333 | $3,151 | $12,816 | $34,149 | 74.24% |
| 10 | $268,783 | $137,300 | $115,356 | $4,734 | $33,263 | $102,619 | 223.09% |
| 15 | $311,593 | $118,430 | $174,468 | $6,470 | $62,077 | $190,545 | 414.23% |
| 20 | $361,222 | $91,680 | $247,869 | $8,373 | $100,065 | $301,934 | 656.38% |
| 25 | $418,756 | $53,759 | $339,872 | $10,457 | $148,107 | $441,979 | 960.82% |
| 30 | $485,452 | $0 | $456,325 | $12,741 | $207,162 | $617,487 | 1342.36% |
Note: Projections include 3% annual property appreciation and account for rent increases over time. The equity shown is net of selling agent fees. Total return combines net equity gain, cumulative cash flow, minus initial investment. Actual results may vary based on market conditions, property condition, and management.
Professional Real Estate Investment Calculator
Rental Property Analysis
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Key Investment Metrics Calculated
Cash Flow
Monthly and annual net income
Cash-on-Cash Return
Annual return percentage
Cap Rate
Net operating income ratio
NOI
Net operating income
Debt Coverage Ratio
Ability to cover debt
Total Investment
Complete cost breakdown
30-Year Projections
Long-term growth analysis
Expense Analysis
Detailed cost breakdown
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