Rental Property Calculator

Estimate cash flow, cap rate, cash-on-cash return, and whether a deal passes the 1% rule.

Purchase & Financing

Purchase Price Down Payment (%) Closing Costs Upfront Repairs Interest Rate (%) Loan Term (years)

Income & Expenses (monthly)

Gross Monthly Rent Other Income (laundry, parking, fees) Property Tax Insurance HOA Vacancy Reserve (% of rent) Maintenance Reserve (% of rent) CapEx Reserve (% of rent) Property Management (% of rent)

Results

Total Cash Invested: $0
Monthly Mortgage (P&I): $0
Total Monthly Expenses (incl. mortgage + reserves): $0
Net Monthly Cash Flow: $0
Annual Cash Flow: $0
Net Operating Income (NOI, annual): $0
Cap Rate: 0%
Cash-on-Cash Return: 0%
1% Rule (rent ÷ purchase price): 0%

How to read the results

Net Monthly Cash Flow — must be positive after ALL reserves. Aim for $150-$300+ per unit. Negative cash flow is a liability.
Cap Rate — NOI ÷ purchase price. Compares deals regardless of financing. 5-7% is typical for B-class; 8%+ for C-class cash-flow markets.
Cash-on-Cash Return — annual cash flow ÷ cash invested. The number that matters most to investors. 8%+ is solid, 10%+ is strong in 2026.
1% Rule — monthly rent should be ≥ 1% of purchase price. A quick screen, not a final test. Hard to hit in B+ markets; common in C-class.

Next steps

Disclaimer: This calculator is provided for educational and informational purposes only. Its estimates rely entirely on the figures you enter and do not constitute financial, investment, lending, legal, tax, or real estate advice. Rents, expenses, financing terms, and market conditions vary and cannot be guaranteed by any tool. You are solely responsible for conducting your own due diligence and for verifying all numbers with qualified professionals — including a licensed lender, appraiser, property manager, real estate attorney, and accountant — before making any investment decision. ListCentral makes no warranty as to the accuracy or completeness of these results and accepts no liability for any loss or decision made in reliance on them.