REI Toolkit
Rental Cash Flow
Buy-and-hold analyzer

Does this rental
actually cash flow?

Enter the purchase, financing, income, and expenses to instantly see monthly cash flow, cap rate, and cash-on-cash return.

3 steps
Property · Income · OpEx
9 metrics
Computed live
Instant
No signup
Property & financing
Step 1 of 3
$
Total acquisition price.
%
Percent down.
$
One-time buying costs.
%
Loan APR.
yrs
Years on the mortgage.
Income
Step 2 of 3
$
Gross market rent.
%
Expected vacancy.
$
Laundry, parking, fees.
Operating expenses
Step 3 of 3
$
Monthly property taxes.
$
Monthly insurance.
$
Property management fee.
$
Repairs reserve.
$
Association dues.
Cash flow summary
Monthly cash flow
—
Cash to close—
Loan amount—
Mortgage payment—
Operations
Effective gross income—
Operating expenses—
Net operating income—
Returns
Annual cash flow—
Cap rate—
Cash-on-cash return—
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Transparent math

How the formulas work

① Loan amount
Price × (1 − Down%)

What you borrow after the down payment.

② Effective gross income
(Rent + Other) × (1 − Vacancy%)

Collected income after vacancy.

③ NOI
EGI − Operating expenses

Income before debt service.

④ Cap rate
Annual NOI / Price

Unlevered yield — compare deals apples-to-apples.

⑤ Cash flow
NOI − Mortgage

Monthly profit after the loan payment.

⑥ Cash-on-cash
Annual cash flow / Cash to close

Return on your actual cash invested.

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