Income Property Cash Flow Calculator - IncomePropertyCalculator.com

Property Value and Income

Property Value
Rental Income / Month
Miscellaneous Income / Month
Gross Rent Multiplier (GRM)
-| Monthly GRM = -

Expenses

Estimated Property Tax / Year = % of property value
Estimated Insurance / Year = % of property value
Vacancy Loss / Year = % of annual gross rental income
HOA / Month
Utility / Month
Maintenance & Repairs / Month
Property Management / Month
Other Expenses / Month

Estimated Cap Rate

Annual Gross Income (AGI) - / year
Operating Expense (OpEx) - / year
Net Operating Income (NOI) - / year
Capitalization Rate (CAP) -

Financing

Down Payment = % of property value
Loan Term years
Interest Rate %

Estimated Cash-On-Cash Return

Loan Amount -
P+I - / month
PITI+A - / month
Cash Flow - / month
Cash-On-Cash Return -

How to calculate Capitalization Rate (Cap Rate)

The capitalization rate (cap rate) is a key metric in real estate investing used to evaluate the potential return on an investment property.
It is calculated as follows:
Cap Rate = ( Property Value or Purchase Price / Net Operating Income (NOI) ) x 100
Steps to Calculate Cap Rate:
  1. Determine Net Operating Income (NOI)
    NOI = Total Rental Income − Operating Expenses
    • Excludes mortgage payments, depreciation, and capital expenditures.
    • Includes property taxes, insurance, maintenance, and management fees.
  2. Determine the Property Value or Purchase Price
    • Use the actual purchase price if recently acquired.
    • If evaluating an existing property, use the current market value (via appraisal or comparable sales).
  3. Plug the Numbers into the Formula
    • Multiply by 100 to express the cap rate as a percentage.
Example Calculation:

How to Calculate Cash on Cash Return

Cash on Cash Return (CoC) is a metric used to measure the annual return on the actual cash invested in a rental property.
It helps investors determine how efficiently their capital is being utilized.
Cash on Cash Return = ( Annual Pre-Tax Cash Flow / Total Cash Invested) × 100
Steps to Calculate Cash on Cash Return:
  1. Determine Annual Pre-Tax Cash Flow:
    Pre-Tax Cash Flow = Net Operating Income (NOI) - Debt Service (Mortgage Payments)
    • Net Operating Income (NOI) = Rental Income - Operating Expenses
    • Debt Service = Principal + Interest Payments (excluding property taxes and insurance if escrowed separately)
  2. Determine Total Cash Invested:
    • Down Payment
    • Closing Costs (loan fees, title fees, inspection costs, etc.)
    • Renovation/Repair Costs (if applicable)
  3. Plug the Numbers into the Formula:
    • Multiply by 100 to express as a percentage.
Example Calculation:
Cash on Cash Return = ( 12,000 / 140,000 ) x 100 = 8.57%