Rental Property Calculator

1. Purchase & Debt

Purchase Price ($):

Use Loan?

Down Payment (%):

Interest Rate (% APR):

Loan Term (Years):

Closing Costs ($):

Need Upfront Repair?

2. Income & Operation

Annual Rent ($):

Rent Growth Rate (% / Year):

Vacancy Rate (%):

Management Fee (% of Gross Income):

3. Operating Expenses (Annual)

Property Tax ($):

Insurance ($):

Maintenance / Reserves ($):

Other Annual Costs ($):

4. Sale & Horizon

Holding Period (Years):

Property Appreciation Rate (% / Year):

Selling Costs (% of Sale Price):

AI-Powered Analysis

About Our Smart Rental Property Calculator

Our smart calculator provides instant results and leverages AI to offer personalized insights.

Analyze Deals Like a Pro

Don't buy an investment property based on a hunch. Our AI Rental Property Calculator uses professional-grade metrics to tell you if a deal is a "Home Run" or a "Money Pit."

Key Metrics Explained:

Cap Rate: The pure return of the property (ignoring the loan).
Cash-on-Cash Return: How hard your down payment is working for you.
IRR (Internal Rate of Return): The total annualized return including appreciation and loan paydown.

AI Insight: Is your Cap Rate below 4%? Our AI might suggest that this property is overpriced or better suited for appreciation rather than cash flow.

What Makes a "Good" Rental Investment?

Successful real estate investing is about more than just collecting rent. It is about positive Cash Flow and sustainable returns.

While novices only look at Rent minus Mortgage, savvy investors use three key metrics to evaluate a deal. Our calculator computes all of them instantly.

What are Cap Rate, CFROI, and IRR?

Cap Rate (Capitalization Rate)

Net Operating Income / Price

What it tells you: The property's raw profitability if you paid all cash. It helps compare properties of different prices. A higher Cap Rate means higher risk/reward.

Cash-on-Cash Return (CFROI)

Annual Cash Flow / Total Cash Invested

What it tells you: The ROI on the actual money you put down (Down Payment + Repairs). This is crucial for leveraged investors using loans.

IRR (Internal Rate of Return)

Total Annualized Return

What it tells you: The big picture. It combines cash flow, tax benefits, loan paydown, and appreciation into one yearly percentage.

What are the "Golden Rules" of Screening?

Before you even run the full numbers, investors often use quick rules of thumb to filter out bad deals.

The 1% Rule: Monthly Rent should be at least 1% of the Purchase Price. (e.g., A $200k house should rent for $2,000/mo).
The 50% Rule: Assume 50% of your gross rent will go to operating expenses (taxes, insurance, repairs), excluding the mortgage.

The "Silent Killers" of Cash Flow

Why do rental properties lose money? Usually because investors ignore the hidden costs included in our calculator:

Expense	Why it matters
Vacancy Rate	If your tenant leaves, it might take 1-2 months to find a new one. That's an 8% loss of income right there.
CapEx (Capital Expenditures)	Roofs and water heaters break. You must set aside "Reserves" (Maintenance) every month for these big future bills.
Property Management	Unless you want to unclog toilets at midnight, you'll pay a manager 8-10% of the rent.

How AI Evaluates Your Deal

Click "Get AI Advice" to get a second opinion on your numbers:

Safety Margin: "Your cash flow is only $50/mo. AI warns that one repair could wipe out your annual profit."
Rent Growth Projection: AI calculates how a small 3% annual rent increase significantly boosts your IRR over 10 years.
Repair Strategy: "Buying a fixer-upper? AI analyzes if the 'Repair Cost' adds enough value to justify the effort."

Disclaimer

The Rental Property Calculator provides financial projections based on user assumptions. Actual rental markets fluctuate, and unexpected repairs can occur. This tool does not account for specific federal or state income tax brackets, depreciation recapture, or 1031 exchanges.

Disclaimer & Usage Policy

1. For Reference Only: The calculations, results, and AI-generated insights provided by this tool are for informational and educational purposes only. They represent theoretical outcomes based on user inputs and general assumptions. They do not constitute actionable professional advice, medical diagnosis, or specific financial recommendations.

2. Consult a Professional: Real-world scenarios are complex and subject to changing laws, regulations, and scientific standards. This tool cannot account for your unique individual circumstances. We strongly recommend consulting with a qualified professional (such as a Financial Advisor, CPA, Doctor, or Legal Counsel) before making any actual decisions based on this information.

3. No Liability: By using this tool, you acknowledge that This Website and its affiliates are not liable for any discrepancies, errors, or losses (financial, health-related, or otherwise) arising from the use of or reliance on these tools. You assume full responsibility for your own choices and actions.