Rental Calculator

Monthly Expenses

Growth Projections

Rental Financials

Mortgage Details

Rental Analysis

Monthly Cash Flow Cash Flow: The money left over after all income minus all expenses and loan payments (i.e., Rent $2,000 − All Costs $1,600 = $400 left).
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Annual NOI
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Annual Cash Flow
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Monthly Gross Potential Income
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Total Cash Needed Total Cash Needed: All money required upfront to close the deal (i.e., Down $40,000 + Closing $5,000 = $45,000).
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Cash-on-Cash Return
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DSCR Debt Service Coverage Ratio: Shows how comfortably the property pays its loan; higher is safer (i.e., Income $1,300 ÷ Loan Payment $900 = 1.44).
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Cash Flow Projection

NOI NOI (Net Operating Income): Income after normal property expenses, before the mortgage (i.e., Rent $2,000 − Expenses $700 = $1,300).
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Monthly
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Annualy
EGI EGI (Effective Gross Income): Real income after vacancy or missed rent is removed (i.e., GPI $2,400 − Vacancy $200 = $2,200).
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Monthly
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Annualy
GPI GPI (Gross Potential Income): The maximum rent the property could make if fully rented (i.e., 2 units × $1,200 = $2,400).
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Monthly
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Annualy

Expenses Breakdown

Operating Costs Operating Costs: Regular costs to run the property, excluding the mortgage (i.e., Taxes, insurance, repairs = $700).
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Annualy
Debt Service Debt Service: The loan payments required by the lender (i.e., Mortgage $900 per payment period).
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Annualy
Total Expenses Total Expenses: Total costs to operate the property, not including loan payments (i.e., Utilities $150 + Repairs $200 + Taxes $250 = $600).
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Mortgage Info

Loan Amount Loan Amount: The amount of money borrowed to buy the property (i.e., Price $200,000 − Down $40,000 = $160,000).
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Monthly Mortgage Payment Monthly Mortgage Payment: The required loan payment, including principal and interest (i.e., Loan $160,000 = $1,010 payment).
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Return & Projections

Annual Gross Rent Multiplier GRM (Gross Rent Multiplier): Quick price check using rent; lower usually means better deal (i.e., Price $200,000 ÷ Rent $24,000 = 8.3).
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Cash-on-Cash Return Cash-on-Cash Return : Shows how hard your cash investment is working for you (i.e., Cash Flow $5,200 ÷ Cash Invested $45,000 = 11.5%).
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