Calculator Documentation
Rental Cash Flow Analyzer
Analyze rental property cash flow, NOI, cap rate, and investment returns
Schema version 2.0.0 · Category: investment
Inputs
Property & Purchase
| Field | Type | Default | Notes |
|---|---|---|---|
| Purchase Price | currency | $300,000 | |
| Down Payment | percentage | 25.00% | |
| Closing Costs | currency | $9,000 | Roughly 3% of price; part of your cash in the deal |
| Interest Rate | percentage | 7.00% | |
| Loan Term | select | 30 |
Rental Income
| Field | Type | Default | Notes |
|---|---|---|---|
| Monthly Rent | currency | $2,500 | |
| Vacancy Rate | percentage | 5.00% | |
| Other Income | currency | $0 | Laundry, parking, storage, etc. |
Operating Expenses
| Field | Type | Default | Notes |
|---|---|---|---|
| Property Taxes (Annual) | currency | $4,200 | Annual property taxes |
| Insurance (Annual) | currency | $1,800 | Annual insurance premium |
| HOA (Monthly) | currency | $0 | |
| Maintenance | percentage | 5.00% | Percentage of monthly rent |
| Property Management | percentage | 10.00% | Percentage of monthly rent |
| CapEx Reserve | percentage | 5.00% | Capital expenditure reserve as % of rent |
Adjustable Parameters
| Parameter | Default | Range | Purpose |
|---|---|---|---|
| Good Cash Flow Threshold | 300 | 100 - 500 |
Calculations
Every figure this calculator produces, in evaluation order. Formulas reference input ids, parameters, and earlier calculations.
loanAmountTotal loan amount
purchasePrice * (1 - downPaymentPct)
downPaymentDown payment amount
purchasePrice * downPaymentPct
loanTermMonthsLoan term in months
loanTerm * 12
monthlyRateMonthly interest rate
interestRate / 12
monthlyPIMonthly principal & interest payment
if(monthlyRate == 0, loanAmount / loanTermMonths, (loanAmount * monthlyRate * pow(1 + monthlyRate, loanTermMonths)) / (pow(1 + monthlyRate, loanTermMonths) - 1))
grossAnnualRentGross annual rental income
monthlyRent * 12
effectiveMonthlyIncomeEffective monthly income after vacancy
monthlyRent * (1 - vacancyRate) + otherIncome
effectiveGrossIncomeEffective gross annual income
effectiveMonthlyIncome * 12
monthlyTaxesMonthly property taxes
propertyTaxesAnnual / 12
monthlyInsuranceMonthly insurance
insuranceAnnual / 12
monthlyMaintenanceMonthly maintenance expense
monthlyRent * maintenancePct
monthlyMgmtMonthly property management expense
monthlyRent * propertyMgmtPct
monthlyCapexMonthly CapEx reserve
monthlyRent * capexReservePct
totalMonthlyExpensesTotal monthly operating expenses
monthlyTaxes + monthlyInsurance + hoaMonthly + monthlyMaintenance + monthlyMgmt + monthlyCapex
totalAnnualExpensesTotal annual operating expenses
totalMonthlyExpenses * 12
expenseRatioExpense ratio as percentage of gross rent
if(grossAnnualRent > 0, (totalAnnualExpenses / grossAnnualRent) * 100, 0)
monthlyNOIMonthly net operating income
effectiveMonthlyIncome - totalMonthlyExpenses
annualNOIAnnual net operating income
monthlyNOI * 12
annualDebtServiceAnnual debt service (P&I)
monthlyPI * 12
annualCashFlowAnnual cash flow after debt service
annualNOI - annualDebtService
monthlyCashFlowMonthly cash flow
annualCashFlow / 12
capRateCapitalization rate
if(purchasePrice > 0, (annualNOI / purchasePrice) * 100, 0)
totalCashInvestedAll cash in the deal (down payment + closing costs)
downPayment + closingCosts
cashOnCashCash-on-cash return on total cash invested
if(totalCashInvested > 0, (annualCashFlow / totalCashInvested) * 100, 0)
dscrDebt service coverage ratio
if(annualDebtService > 0, annualNOI / annualDebtService, 0)
grossRentMultiplierGross rent multiplier
if(grossAnnualRent > 0, purchasePrice / grossAnnualRent, 0)
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