Rental property calculator.
One-screen deal analysis: mortgage payment, NOI, cap rate, cash-on-cash, DSCR, and GRM — computed live in your browser from the numbers you enter.
Analyze a rental property in one screen.
Mortgage payment, NOI, cap rate, cash-on-cash, DSCR, and GRM — computed live from your numbers. No signup, no email gate.
Purchase & financing
Income & operating expenses
Operating breakdown
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Definitions: cap rate = NOI ÷ purchase price (ignores financing). Cash-on-cash = annual cash flow ÷ down payment. DSCR = NOI ÷ annual debt service. GRM = price ÷ gross annual rent. This is a modeled illustration from your inputs — not investment, lending, or tax advice. Verify assumptions for your market and validate deals with your own advisors.
How to read the metrics
Cap rate & NOI
Net Operating Income is effective rent minus operating expenses, before debt. Cap rate divides NOI by purchase price, so you can compare deals independent of financing.
Cash-on-cash & DSCR
Cash-on-cash measures annual cash flow against your down payment — the return on cash actually invested. DSCR divides NOI by annual loan payments; lenders use it to test whether the property covers its own mortgage.
Don't skip the reserves
Vacancy and maintenance-reserve inputs are editable assumptions. Leaving them at zero makes any deal look better than it will perform — set them from your market's reality.