Investment Property Calculator
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yrs
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Parking, laundry, storage, or other recurring income.
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Annual property tax amount.
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Annual property insurance cost.
% of value
Annual maintenance as a percentage of purchase price.
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Annual management fee as a percentage of effective gross income.
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Any additional annual operating costs not listed above.

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Down payment + closing costs + rehab/reserves.

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Annual rental income after vacancy allowance plus other income.

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Annual total of all operating expenses.

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Annual income after operating expenses, before debt service.

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Total principal and interest payments for the year.

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Net income after all expenses and debt payments.

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After all expenses and debt service.

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NOI ÷ purchase price. 6%+ is generally considered healthy.

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Annual cashflow ÷ total cash invested. 8%+ is generally strong.

Purchase price ÷ annual gross rent. Lower values indicate better value.

How To Use Our Investment Deal Analyzer Calculator

  • 1
    Enter the purchase price, down payment percentage, interest rate, loan term, and estimated closing costs in the Property Details section.
  • 2
    Add any rehab or reserve funds you’re setting aside upfront.
  • 3
    Under Income, enter the monthly gross rent, your vacancy allowance, and any other recurring income like parking or storage.
  • 4
    Fill in your annual operating expenses — property tax, insurance, maintenance as a percentage of value, property management fee, and any additional costs.
  • 5
    All four result metrics update automatically as you type — no submit button needed.

Understanding Your Results

 

  • Cap Rate measures the property’s return independent of financing — it’s NOI divided by purchase price. A cap rate of 6% or above is generally considered investor-grade in most markets; 4–6% is marginal; below 4% warrants scrutiny.

  • Cash-on-Cash Return tells you what you’re actually earning on the cash you put in — annual cashflow divided by your total cash invested (down payment + closing costs + rehab). 8% or above is strong; 4–8% is acceptable; below 4% is a weak deployment of capital.

  • Gross Rent Multiplier (GRM) is a quick valuation pulse — purchase price divided by annual gross rent. Lower is better. A GRM under 10 is favorable; 10–14 is typical; above 14 suggests the price is stretched relative to rent.

  • Monthly Cashflow is what lands in your pocket after every expense and debt payment. $300/month or more signals a healthy deal; $0–$300 is marginal; negative cashflow means the property costs you money every month.

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Find out whether a property's rental income can cover its debt payments. Enter your loan details and monthly income to calculate your DSCR — a key metric lenders use to evaluate investment property financing.

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Quickly estimate the return on any real estate investment. Enter what you put in and what you got back to see your profit or loss as a simple percentage.

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Estimate your monthly mortgage payment before you make an offer. Enter the loan amount, interest rate, and term to see your principal and interest payment instantly.