About Real Estate Investment & Cash Flow Calculator
Professional pro forma cash flow analyzer for rental properties and real estate investors. Computes Gross Scheduled Rent, Effective Gross Income after vacancy, total operating expenses, Net Operating Income (NOI), Debt Service Coverage Ratio (DSCR), Cap Rate, Cash-on-Cash Return, and the 1% Rule.
Key Capabilities & Features
- Pro forma income statement: Gross rent, vacancy reserves, property taxes, insurance, repairs, and management fees
- Net Operating Income (NOI) calculation isolating unleveraged property operational performance
- Key investment returns: Capitalization Rate (Cap Rate) and Cash-on-Cash Return (leveraged equity yield)
- Underwriting safety checks: Debt Service Coverage Ratio (DSCR) and the classic 1% Rule deal screener
- Monthly and annual cash flow projections before and after debt service
How to Use Real Estate Investment & Cash Flow Calculator
Enter Acquisition Details
Input purchase price, down payment percentage, and financing terms.
Provide Income & Vacancy
Input gross monthly rent and expected vacancy rate (typically 5% - 8%).
Enter Operating Expenses
Specify property tax, insurance, ongoing maintenance %, and management fees.
Evaluate Investment Yields
Review monthly cash flow, Cap Rate, Cash-on-Cash return, and DSCR coverage.
Privacy & In-Browser Execution Guarantee
100% Client-Side. Investment pro formas and property underwriting run locally.
Frequently Asked Questions
What is the difference between Cap Rate and Cash-on-Cash Return?
Cap Rate evaluates property profitability regardless of financing (NOI / Purchase Price), while Cash-on-Cash measures the actual cash return on your out-of-pocket cash invested after mortgage payments.
What is a good DSCR for an investment property?
A Debt Service Coverage Ratio (DSCR) of 1.25x or higher is standard for commercial and investment mortgage lenders, indicating that NOI exceeds debt payments by at least 25%.