Model cash flow, cap rate, cash-on-cash return, and debt-service coverage for 1–12 unit rental properties — built for DSCR and conventional investment financing.
Property & Financing
Purchase terms and loan assumptions.
Years. Amortization period used for the payment calculation.
Used only in the Year 1 Total ROI estimate below.
Rent Roll
Set the unit count, then enter rent for each unit individually.
Laundry, parking, storage, pet fees, or other recurring income.
Operating Expenses
Assumptions used to derive Net Operating Income (NOI).
Applied against gross unit rent.
% of effective gross income.
% of gross rent held monthly for future capital items (roof, HVAC, etc.).
% of gross rent.
Monthly.
Monthly. Water, trash, common-area electric, etc.
Landscaping, pest control, licensing, etc.
Overall Investment Health
—
Enter property, rent, and expense details above to see an assessment.
NOI / Month
$0
Cap Rate
0.0%
Cash Flow / Month
$0
DSCR
—
1.00x = breakeven; most DSCR programs require 1.00–1.25x+
Cash-on-Cash Return
0.0%
Annual cash flow ÷ total cash invested
Total ROI (Year 1)
0.0%
Cash flow + principal paydown + appreciation
Gross Potential Rent$0
Vacancy Loss$0
Other Monthly Income$0
Effective Gross Income$0
Total Operating Expenses$0
Net Operating Income (annual)$0
Loan Amount$0
Down Payment$0
Closing Costs$0
Rehab / Repair Budget$0
Total Cash Invested$0
Monthly P&I Payment$0
Annual Debt Service$0
Annual Cash Flow$0
Long-Term Projection
Drives the charts below. Property appreciation uses the Annual Appreciation Rate set above.
Years. How far out to project.
Applied to rent and other income each year.
Applied to taxes, insurance, HOA, and other fixed expenses each year.
Equity Growth Over Time
Property value, remaining loan balance, and equity across the projection horizon. Hover the chart for year-by-year figures.
Property ValueLoan BalanceEquity
10 / 20 / 30 Year Wealth Comparison
Cumulative cash flow, principal paydown, and appreciation gain building up year by year, with the 10/20/30 year milestones marked. Hover the chart for year-by-year figures.
Estimates only. Figures are based on user-entered assumptions and standard real-estate cash-flow formulas
(Gross Rent − Vacancy − Operating Expenses = NOI; NOI − Debt Service = Cash Flow). Not a credit
decision, appraisal, rent-schedule determination, or commitment to lend. Actual performance depends on market
rents, underwritten expenses, loan terms, and property condition, and may differ materially from this estimate.
DSCR and Cash-on-Cash thresholds shown are general guidelines, not universal underwriting requirements —
confirm current program guidelines before relying on this analysis. Long-term projections compound the rent
growth, expense growth, and appreciation rates entered above and are hypothetical — they are not a
guarantee of future performance. Interest-only loans are modeled with a flat loan balance (no principal
reduction) for the life of the projection and do not reflect a refinance or balloon payment at maturity.
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