Purchase

Purchase Price ($)
Use Loan? Yes No
Down Payment (%)
Interest Rate (%)
Loan Term (years)
Closing Cost ($)
Need Repairs? Yes No

Recurring Operating Expenses

	Annual	Annual Increase
Property Tax		%
Total Insurance		%
HOA Fee		%
Maintenance		%
Other Costs		%

For the 20 Years Invested
Return (IRR):	18.42% per year
Total Profit when Sold:	$448,304
Cash on Cash Return:	974.57%
Capitalization Rate:	8.05%
Total Rental Income:	$612,645
Total Mortgage Payments:	$230,227
Total Expenses:	$180,032
Total Net Operating Income:	$432,613

First Year Income and Expense
	Monthly	Annual
Income:	$2,000	$24,000
Mortgage Pay:	$959	$11,511
Vacancy (5%):	$100	$1,200
Property Tax:	$250	$3,000
Total Insurance:	$100	$1,200
Maintenance Cost:	$167	$2,000
Other Cost:	$42	$500
Cash Flow:	$382	$4,589
Net Operating Income (NOI):	$1,342	$16,100

Year	Annual Income	Mortgage	Expenses	Cash Flow	Cash on Cash Return	Equity Accumulated	If Sold at Year End
							Cash to Receive	Return (IRR)
Begin	-	-	-	-$46,000	-	-	-	-
1	$22,800	$11,511	$6,700	$4,589	9.98%	$47,965	$31,485	-21.58%
2	$23,484	$11,511	$6,901	$5,072	11.03%	$56,231	$39,256	5.69%
3	$24,189	$11,511	$7,108	$5,569	12.11%	$64,811	$47,327	11.20%
4	$24,914	$11,511	$7,321	$6,082	13.22%	$73,719	$55,710	13.18%
5	$25,662	$11,511	$7,541	$6,609	14.37%	$82,968	$64,419	14.07%
6	$26,431	$11,511	$7,767	$7,153	15.55%	$92,574	$73,469	14.52%
7	$27,224	$11,511	$8,000	$7,713	16.77%	$102,552	$82,874	14.77%
8	$28,041	$11,511	$8,240	$8,290	18.02%	$112,918	$92,650	14.93%
9	$28,882	$11,511	$8,487	$8,884	19.31%	$123,690	$102,814	15.04%
10	$29,749	$11,511	$8,742	$9,495	20.64%	$134,886	$113,383	15.14%
11	$30,641	$11,511	$9,004	$10,126	22.01%	$146,524	$124,377	15.23%
12	$31,561	$11,511	$9,274	$10,775	23.42%	$158,625	$135,813	15.32%
13	$32,507	$11,511	$9,553	$11,443	24.88%	$171,209	$147,712	15.42%
14	$33,483	$11,511	$9,839	$12,132	26.37%	$184,298	$160,097	15.52%
15	$34,487	$11,511	$10,134	$12,841	27.92%	$197,915	$172,988	15.63%
16	$35,522	$11,511	$10,438	$13,572	29.50%	$212,085	$186,410	15.73%
17	$36,587	$11,511	$10,752	$14,324	31.14%	$226,832	$200,387	15.85%
18	$37,685	$11,511	$11,074	$15,099	32.82%	$242,185	$214,946	15.96%
19	$38,815	$11,511	$11,406	$15,898	34.56%	$258,169	$230,113	16.06%
20	$39,980	$11,511	$11,748	$16,720	36.35%	$274,817	$245,919	16.17%
Total	$612,645	$230,227	$180,032	$448,304	974.57%	-	-	18.42%

Rental Property Calculator

Our comprehensive Rental Property Calculator helps real estate investors analyze the financial performance of rental properties. Whether you're a beginner or experienced investor, this tool provides detailed insights into cash flow, return on investment, and long-term profitability.

Key Features

Purchase Analysis: Factor in purchase price, loan details, closing costs, and repair expenses
Income Projections: Calculate rental income with vacancy rates and management fees
Operating Expenses: Include property taxes, insurance, HOA fees, maintenance, and other costs
Sale Analysis: Project property appreciation and selling costs
Auto-Calculation: Real-time updates as you adjust parameters
Comprehensive Returns: IRR, cash-on-cash return, cap rate, and total profit analysis

Investment Metrics Explained

IRR (Internal Rate of Return): The annual rate of return that makes the net present value of all cash flows equal to zero
Cash-on-Cash Return: Annual cash flow divided by initial cash investment
Capitalization Rate: Net operating income divided by property value
Net Operating Income (NOI): Rental income minus operating expenses (excludes mortgage payments)

Tips for Successful Real Estate Investment

Research local rental markets and comparable properties
Factor in realistic vacancy rates (typically 5-10%)
Budget for maintenance and unexpected repairs
Consider property management costs if you won't self-manage
Analyze multiple scenarios with different appreciation rates
Account for annual increases in expenses and rent

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