CashFlow Analyzer

Investment Property Calculator

Calculate monthly cashflow, expenses, and returns for any investment property. Get detailed analysis to make informed investment decisions.

Cashflow Calculator

Property Details

Expense Rates

Ready to Analyze

Enter your property details in the calculator to see detailed cashflow analysis, expense breakdown, and ROI metrics.

How Real Estate Investment Calculations Work

Key Metrics Explained

Monthly Cash Flow

Monthly rental income minus all monthly expenses including mortgage, taxes, insurance, maintenance, vacancy reserves, and property management.

Formula: Rental Income - (Mortgage + Taxes + Insurance + Maintenance + Vacancy + Management + HOA)

Cash-on-Cash Return

Annual cash flow divided by total cash invested (down payment + closing costs). Measures the return on your actual cash investment.

Formula: (Annual Cash Flow / Total Cash Invested) × 100

Cap Rate

Net operating income divided by property value. Measures the property's potential return regardless of financing.

Formula: (Net Operating Income / Property Value) × 100

Break-Even Rent

Minimum monthly rent needed to cover all expenses without generating profit or loss.

Sum of all monthly expenses

Expense Categories & Industry Standards

Property Tax Rate:1.2% annually (varies by location)
Insurance Rate:0.35% annually
Maintenance Reserve:1% of property value annually
Vacancy Reserve:8% of monthly rent
Property Management:10% of monthly rent
Down Payment:20% (investment properties)

Investment Strategy Considerations

Successful real estate investing requires understanding these key principles:

  • Positive Cash Flow: Aim for properties that generate monthly income after all expenses
  • Market Research: Understand local rental rates, property values, and market trends
  • Conservative Estimates: Use realistic expense ratios and account for vacancy periods
  • Total Return: Consider both cash flow and potential appreciation over time
  • Risk Management: Maintain adequate reserves for unexpected expenses and market downturns

Property Types for Beginners

Single-Family Homes

Easiest to understand and manage. Good for beginners with strong rental demand and easier financing options.

Pros: Simple management, broad market appeal

Duplex Properties

Live in one unit, rent the other. Reduces living expenses while building equity and rental income.

Pros: Owner-occupied financing, reduced vacancy risk

Turnkey Properties

Fully renovated properties with tenants in place. Higher price but immediate cash flow for passive investors.

Pros: Immediate income, professional management

Financing Strategies

Down Payment Options

Conventional Investment:20-25% down
Owner-Occupied (House Hack):3-5% down
Portfolio Lenders:10-15% down
Hard Money (Fix & Flip):10-20% down

Market Analysis Tips

  • • Research local job growth and economic indicators
  • • Compare rent-to-price ratios across neighborhoods
  • • Analyze days on market and inventory levels
  • • Study population growth and demographic trends
  • • Evaluate school districts and local amenities
  • • Consider future development and infrastructure plans
1

Input Property Details

Enter the property price, expected rent, down payment, and financing terms.

2

Set Expense Rates

Adjust property tax, insurance, maintenance, vacancy, and management rates.

3

Get Analysis

View detailed cashflow analysis, expense breakdown, and investment metrics.