Rental cashflow calculator
Whether a rental actually makes money — after vacancy, maintenance, management, and the mortgage — and how lenders will read the same deal. Estimates for understanding, not investment advice.
MONTHLY CASHFLOW
-$141.13
this deal loses money monthly as modeled
CAP RATE
5.5%
NOI ÷ price — the unlevered yield
CASH-ON-CASH
-1.9%
on $89,600 invested
DSCR
0.91
NOI ÷ debt service — lenders want 1.2+
IN PLAIN ENGLISH
As modeled, you'd feed this property about $141.13 a month from your own pocket — the rent doesn't cover the mortgage plus real operating costs. The property itself earns 5.5% before financing (the cap rate); leverage reduces that to -1.9% on your cash. Break-even rent is roughly $2,578/mo — and at a 0.91 DSCR, most lenders would decline this deal.
| GROSS RENT | $28,800 |
| VACANCY | ($1,440) |
| PROPERTY TAX | ($3,800) |
| INSURANCE | ($1,600) |
| MAINTENANCE | ($2,304) |
| MANAGEMENT | ($2,189) |
| NET OPERATING INCOME | $17,467 |
| DEBT SERVICE (MORTGAGE) | ($19,161) |
| CASHFLOW | ($1,694) |
ESTIMATES FOR UNDERSTANDING, NOT INVESTMENT ADVICE. EXCLUDES APPRECIATION, RENT GROWTH, CAPEX RESERVES, TAX EFFECTS, AND PMI. CALCULATIONS RUN IN YOUR BROWSER — NOTHING IS SAVED OR SENT.
The briefing, before it's obvious.
One dispatch. Markets, housing, AI, and defense — what changed, why it matters, and what we're watching next. No noise, no clickbait, unsubscribe anytime.