Rental Cash Flow Calculator

Monthly cash flow after vacancy, capex, and the mortgage.

Deal

Purchase Price

Down Payment %

Interest Rate %

Term (Years)

Closing Costs $

Rehab / Make-Ready $

Income

Monthly Rent

Other Monthly Income

Vacancy %

Expenses

Annual Property Tax iUse the current bill or the assessor site for that parcel — not last year’s estimate and not a millage rule of thumb. Taxes move after a sale. Wrong tax is how a “thin” deal looks like a “buy.”

Annual Insurance

HOA / Month

Owner Utilities / Month

Management % of Collected Rent

Maintenance % of Rent

Capex Reserve % of Rent

I Will Self-Manage (Sets Management Cost To $0)

Deal Analyzer Spreadsheet — $19

Same math as this calculator, in Excel. Save the deal, print a lender one-pager, run rent −10% and rate +1 point, and keep a log of 25 properties. Blue cells are inputs. Works in Excel; Google Sheets via File → Import.

Get the spreadsheet — $19

Deal works? Next is turnover and the deposit. Checklists