Rental Property Calculator

KEY HAVEN PROPERTY GROUP · INVESTOR TOOLS

Rental Property Investment Calculator

Evaluate a potential rental investment by estimating income, operating expenses, financing, cash flow, and key investment metrics—all in one place.

Your Property Assumptions

Change any figure to update your estimated results.

1 · Purchase & Financing

Purchase price ($)

Closing costs ($)

Initial repairs / improvements ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Mortgage payment method

Monthly principal & interest payment ($) Enter principal and interest only. Taxes and insurance are entered separately below.

2 · Rental Income

Expected monthly rent ($)

Other monthly income ($)

Vacancy allowance (%) Allowance for vacant periods and lost rent.

3 · Monthly Operating Expenses

Property taxes ($/year)

Insurance ($/year)

HOA / condo fees ($/month)

Owner-paid utilities ($/month)

Maintenance allowance ($/month)

Management fee (%) Applied to collected rental and other income.

YOUR ESTIMATED RESULTS

Investment Snapshot

Based on the assumptions you entered.

Estimated monthly cash flow

Annual cash flow: $0

Capitalization rate — NOI ÷ purchase price

Cash-on-cash return — Annual cash flow ÷ cash invested

Debt service coverage — NOI ÷ annual principal & interest

Net operating income $0 Annual, before mortgage payments

Estimated loan amount $0 Purchase price less down payment

Estimated cash to close & prepare $0 Down payment + closing + initial repairs

Annual income & expenses	Estimate
Potential rental income	$0
Vacancy allowance	$0
Effective gross income	$0
Operating expenses	$0
Net operating income (NOI)	$0
Annual principal & interest	$0
Capital reserves	$0
Estimated annual cash flow	$0

Adjust the assumptions to explore the results.

Important: This calculator provides estimates for educational purposes only. Results depend on the accuracy of your assumptions and are not guarantees of returns, rental income, property value, or financing approval. NOI and cap rate exclude mortgage payments. Cash flow deducts estimated principal and interest and capital reserves. This simplified model does not calculate income taxes, depreciation, tax benefits, loan fees, selling costs, or future appreciation. Confirm actual taxes, insurance, financing terms, rental demand, repairs, and other expenses before making an investment.

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