Investment Property Calculator
Model carrying costs, loan metrics, capitalization rates, cash flow, and 5-year returns to evaluate long-term residential buy-and-hold deals.
5.00% Cap Rate
Cash-on-Cash Return: -2.14% • Net Rental Yield: 4.68%
Property Costs
Cash Flow Analysis
5-Year Growth Projections
| Year | Value | Equity | Cash Flow | Total Return |
|---|---|---|---|---|
| Year 1 | $309,000 | $89,290 | $-1,526 | -8.6% |
| Year 2 | $318,270 | $104,021 | $-980 | 5.7% |
| Year 3 | $327,818 | $119,201 | $-415 | 21.1% |
| Year 4 | $337,653 | $134,838 | $169 | 37.6% |
| Year 5 | $347,782 | $150,941 | $774 | 55.2% |
How Investment Property Calculator Works
Our investment property calculator allows real estate investors to perform comprehensive financial analysis on buy-and-hold residential properties. By entering simple property metrics, you get instant feedback on the feasibility of the deal, including cash-on-cash returns, cap rates, and long-term forecasts.
Enter Property Price
Input the acquisition purchase price and the expected down payment percentage for your loan.
Add Rental Income
Specify the estimated monthly gross rents and other ancillary incomes (laundry, parking).
Set Operating Expenses
Account for recurring monthly costs such as property tax, insurance, maintenance, and management.
Real Estate Investment Metrics
To accurately evaluate a real estate deal, you must analyze several key performance indicators:
Cash on Cash Return
Measures the annual net cash flow relative to the initial out-of-pocket cash invested (down payment, closing fees, repairs).
Cap Rate Calculator
The capitalization rate is calculated by dividing net operating income (NOI) by the asset purchase price, showing return potential independent of financing.
Multi-Year Forecasts
Projects cash flow and mortgage amortization over several years to estimate total long-term wealth accumulation.
Appreciation Modeling
Estimates the future equity value of the home based on local housing market annual appreciation rates.
Frequently Asked Questions About Property Investment
Frequently Asked Questions
Is this investment property calculator free?
Yes. Calculate unlimited rental property scenarios with no registration.
Does this calculate Cap Rate?
Yes. Get Cap Rate, Cash on Cash Return, and multi-year appreciation forecasts.
Can I include operating expenses?
Yes. Add property tax, insurance, maintenance, vacancy, and management fees.
Do you store property data here?
No. All calculations run locally with complete privacy.