Rental cash flow calculator
Free rental property calculator: monthly cash flow, cap rate, cash-on-cash return, DSCR, the 1% rule and the highest price for your target cash flow. Example: with typical numbers the monthly cash flow comes to $66. Free, no sign-up, every step shown.
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Read the guide: Rental property cash flow, cap rate and cash-on-cash return: a simple guide →Below your $200/mo target. It works at about $153,147 or with more rent.
In LeadCounty every property file opens this calculator with the county's value, tax owed and sales already filled in.
Get the real numbers for every property, already filled in.
In LeadCounty every property page carries its county record: value, yearly tax and any amount owed, every sale with its price, building facts, the owner and mailing address, and nearby sales (as each county publishes them). The deal calculator on each property uses them. Find the sellers with 37 seller lists, then run the deal in one place. The same calculators also run inside the app.
- 7-day free trial (the Explore trial needs no card)
- Refreshed every week from official records
- No contract, cancel any time
How to use the rental cash flow calculator
- Cash flow = rent − mortgage − taxes − insurance − HOA − reserves for vacancy, management, repairs and big items.
- Cap rate = yearly net operating income ÷ price (before the loan): use it to compare properties.
- Cash-on-cash = yearly cash flow ÷ the cash you put in (down payment + closing costs).
- DSCR is how a lender sees it: rent ÷ (mortgage + taxes + insurance + HOA). Most DSCR lenders want 1.20–1.25.
The formula
Monthly cash flow = rent − mortgage payment − tax − insurance − repairs and vacancy reserves − management.
Worked example
With purchase price of $180,000, closing costs of 3%, down payment of 25%, interest rate of 7% and loan term of 30 yrs, the monthly cash flow is $66. Below your $200/mo target. It works at about $153,147 or with more rent.
Common mistakes
- Ignoring vacancy and repair reserves (use 5% to 10% each).
- Leaving out property management even when you plan to self-manage today.
- Using the asking rent instead of what similar units really rent for.
Estimates for planning only, not financial advice.
Questions
What is a good cash flow per door?
Many investors want $200–300 a month per single-family house after all reserves.
Is the 1% rule still useful?
Only as a 10-second filter. It ignores the interest rate, so always run the real numbers.
Why reserve 20–30% of the rent?
Vacancy, repairs, management and big items like roofs and HVAC add up over the years even if this month was quiet.
Related guides and pages
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Cash left in the deal after the refinance, cash flow and DSCRRent ÷ PITIADSCR calculator
The lender's DSCR, the real cash flow and the largest loan you qualify forARV × % − repairs − feeWholesale MAO calculator
Your maximum offer, by the type of buyer you sell toAvg $/sq ft × sizeARV calculator (from comps)
After-repair value from 3–5 recent sales nearbyNow find the owner.
Tired landlords and 36 more seller lists from county records, refreshed weekly. Tested on real sales: see the proof (/proof).
- 7 days free
- Explore: no card
- Full access: cancel before day 7, pay nothing
- Max 10 investors per county
