How It Works
Three simple steps to get accurate calculations
1
Enter Rent & Value
Input monthly rent and property value.
2
Add Operating Expenses
Enter taxes, insurance, repairs, PM fees.
3
Set Vacancy & Reserves
Factor in vacancy rate and CapEx reserve.
4
Get Cashflow Analysis
See monthly cashflow, cap rate, and ratios.
Loading Long-Term Rental Cashflow Calculator...
Frequently Asked Questions
What is a good cap rate?
5-10% is typical. Higher cap rates (8-12%) indicate higher returns but often higher risk or lower appreciation markets. Class A properties in growth markets may be 4-6%. Compare to local market averages.
How much should I budget for repairs?
Budget 5-10% of rent for maintenance plus 5-10% CapEx reserve. Older properties need more. $100-150/month for newer SFR, $200-300+ for older. Track actual expenses to refine estimates.
What vacancy rate should I use?
5% is common for stable markets (roughly 2-3 weeks vacant/year). Use 8-10% for less desirable areas, 2-3% for high-demand markets. Check local rental data for accuracy.
What is cash-on-cash return?
Annual cashflow divided by total cash invested (down payment + closing costs + repairs). 8-12% is good. Measures actual return on your invested capital, not property value.
Should I hire a property manager?
PM costs 8-12% of rent but saves 5-10 hrs/month. Worth it if: You're not local, have multiple properties, value your time highly, or want passive income. Self-manage to save money on 1-2 properties.
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Results are estimates for informational purposes only. Consult professionals for important decisions.