Rental Property Cash Flow Calculator
Run purchase price, rent, and expenses to see monthly cash flow, cap rate, and cash-on-cash return.
How to read the numbers
Rental financing typically requires 20%+ down and runs on a 25-year amortization. Cap rate divides net operating income (rent minus operating expenses) by purchase price; cash-on-cash return divides annual cash flow by the down payment invested. Together they show whether a property pencils out before an offer goes in.
Common questions
What counts as a monthly expense here?+
Property tax, insurance, strata or condo fees, and an allowance for maintenance and vacancy, everything except the mortgage payment itself, which is calculated separately.
Does a positive cash flow number guarantee approval?+
No. Lenders apply their own rental income offset rules (often 50-80% of gross rent) and stress-test the rate. This tool estimates cash flow on the numbers entered; qualification is a separate calculation.
Cash flow penciled out.
Rental financing has its own rules. Let's see how a lender would read this file.
