Rental Profitability Calculator
Estimate what a rental will actually earn: monthly cash flow, net operating income, cap rate, cash-on-cash return, and debt service coverage. Every assumption below is editable — the percentage reserves are common starting points, not facts about your property.
Result
Monthly breakdown
Cap rate = annual NOI ÷ total project cost (price + closing + rehab). Cash-on-cash = annual cash flow after debt service ÷ cash invested (down payment + closing + rehab). DSCR = NOI ÷ debt service; lenders commonly want 1.2 or better. None of this is investment advice — it is arithmetic on the numbers you entered.