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Rental Property Monthly Cash Flow Model

Estimate rental operating income, financed cash flow and a future sale-value scenario.

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Calculator inputs

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How to use this calculator

  1. Enter the known values in the units shown. Results update as you type.
  2. Where results are editable, change one to solve backwards. Lock a value to hold it fixed.
  3. Use the worked example to check the method. Reset restores the starting fields.

Use the result with context

Results are estimates for planning and education. Confirm rates, taxes, fees, and legal requirements with the relevant institution or a qualified professional before making a financial decision.

Formula and method

A property costing 2000 with 800 down finances 1200. A one-month loan at 12% annual interest pays 1212; rent of 2000 less 200 operating costs leaves 1800 monthly operating income.

Effective rent = rent × (1 − vacancy) × (1 − management); operating income = effective rent − operating costs; cash flow = operating income − payment.

Worked example

Enter these known values and leave the other values blank.

Purchase price
2000 USD
Down payment
800 USD
Interest rate
12 %/yr
Loan term
0:1 yrs / mos
Rent
2000 USD / mos
Vacancy rate
0 %
Management fee
0 %
Property tax
100 USD / mos
Insurance
50 USD / mos
Maintenance/repairs
50 USD / mos
HOA fee
0 USD / mos
Other costs
0 USD / mos
Value appreciation
10 % /year
Holding period
1:0 yrs / mos
Loan amount
1200 USD
Total paid
1212 USD
Selling price
2200 USD
Loan payment
1212 USD / mos
Other costs
200 USD / mos
Gross income
2000 USD / mos
Cash flow
7056 USD / yrs
NOI
1800 USD / mos
Cash-on-cash return
882 %
Cap rate
1080 %

Assumptions and limitations

  • Vacancy reduces scheduled rent; the management percentage applies to rent after vacancy. Expenses are monthly by default.
  • Cash flow is annualized by default, while operating income is monthly. The example uses a deliberately short loan for transparent arithmetic, not a typical property forecast.
  • Use a positive interest rate, positive term, positive purchase price and down payment. A zero-interest payment requires a separate limit not implemented by the captured formula.
  • Sale value compounds a manually entered annual appreciation assumption and omits selling costs and remaining loan payoff. Returns omit tax, capital expenditure and transaction costs.
  • Amounts use a single consistent currency. Currency selector conversion factors are a captured static snapshot; they are not current FX quotes.
  • Clear the unknown field before solving an inverse. Locks keep known values fixed; contradictory locked values require correction.
  • Domain review limits calculations to the documented finite scenario; original captured equations, inverses and unit options are retained.

Common questions

How should I interpret the example?

A property costing 2000 with 800 down finances 1200. A one-month loan at 12% annual interest pays 1212; rent of 2000 less 200 operating costs leaves 1800 monthly operating income.

References

Require the documented finite model domain. Use positive interest; zero-interest payments are outside this model. Financed principal must be positive. Purchase price must be positive. Down payment must be positive for cash-on-cash return. Use a positive whole number of monthly loan payments. Rate must be between zero and 100 percent. Rate must be between zero and 100 percent. Integer membership is checked with isInteger, so ordinary, tiny and large fractional counts are rejected even when tolerant floor equality would pass.

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