A useful calculator makes the assumptions visible: price, rent, loan terms, taxes, insurance, reserves, and the cash you invest.
Enter or review the purchase price, monthly rent, down payment, interest rate, loan term, property taxes, insurance, association dues, vacancy, maintenance, and management. You can adjust public-record details when they are wrong.
The calculator shows monthly cash flow, break-even rent, capitalization rate, cash-on-cash return, total monthly costs, and an optional market appreciation estimate. Each result depends on the assumptions shown beside it.
With $2,400 rent and $1,900 of estimated monthly costs, cash flow is $500 per month. That is $6,000 per year. If the cash invested is $60,000, the cash-on-cash return is $6,000 ÷ $60,000 = 10%.
Change the price, loan rate, rent, or reserves and the result changes. That is why a range of scenarios is more useful than one exact-looking number.
Use the map to compare markets, then analyze a specific address and replace estimates with listing details, lender terms, insurance quotes, tax records, and local rules.
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