Investment Property Cash Flow Calculator
Analyze rental property cash flow including mortgage, taxes, insurance, vacancy, and management fees.
See your monthly and annual net income.
Monthly Cash Flow
Rental property cash flow is the net income after all expenses:
Cash Flow = Gross Rent - All Expenses
Typical expenses include:
- Mortgage payment (P&I)
- Property taxes
- Insurance
- Vacancy allowance (5-10% of rent)
- Property management (8-12% of rent)
- Maintenance reserve (5-10% of rent)
- HOA fees (if applicable)
Effective Gross Income = Monthly Rent × (1 - Vacancy Rate)
Total Expenses = Mortgage + Taxes + Insurance + Management + Maintenance + HOA
Cash-on-Cash Return = (Annual Cash Flow / Total Cash Invested) × 100
Example: $250,000 property, $2,000/month rent, $1,500/month mortgage:
- Effective income (5% vacancy): $1,900
- Expenses: ~$1,850 total
- Monthly cash flow: $50
- Cash-on-cash return depends on your down payment
Tips:
- Positive cash flow means the property pays for itself
- Budget 5-10% for vacancy even in hot markets
- Maintenance costs increase as properties age
- Cash-on-cash return of 8-12% is considered good for rentals