Free tool
Rental property cash-flow calculator
Run a transparent rental estimate from your own purchase, financing, income, expense, and workload assumptions. No account or property lookup.
Use the result as a screen, not a verdict
NOI excludes mortgage payments. Cash flow subtracts the estimated principal-and-interest payment, while cash-on-cash return compares annual cash flow with the down payment, closing costs, and initial repairs you entered.
Run a conservative case as well as an optimistic one. The optional time fields expose the return left after assigning a value to the hours you spend operating the property.
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