Rental Property ROI Calculator
Cash flow, cap rate & cash-on-cash return
Sizing up a rental? Enter the purchase price, financing, rent and operating expenses to see whether it actually cash-flows — plus its cap rate and cash-on-cash return.
The three numbers that matter
- Cash flow — what lands in your pocket each month after the mortgage and expenses.
- Cap rate — net operating income ÷ price (ignores financing); useful for comparing deals.
- Cash-on-cash ROI — annual cash flow ÷ the cash you put in (the down payment).
Enter operating expenses (taxes, insurance, repairs, vacancy, management) — not the mortgage; the calculator adds the mortgage from your financing inputs.
Estimate only — not investment advice. Verify every number before buying.
Frequently asked questions
What is a good cap rate?
It varies by market, but many investors look for 5–10%. Lower-risk areas tend to have lower cap rates.
What is cash-on-cash return?
Your annual pre-tax cash flow divided by the actual cash you invested (typically the down payment and closing costs).