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Investment Property Calculator
A rental either produces cash flow or it doesn't, and the honest version of that calculation includes vacancy, maintenance and management, even if you plan to self-manage.
DSCR matters separately: it's how investor lenders qualify the loan on the property rather than on your personal income.
Your numbers
Your results
Monthly cash flow
-$196
Negative — the property costs you monthly
- Cap rate
- 5.59%
- Cash-on-cash return
- -4%
- DSCR
- 1.14
- Monthly P&I
- $1,337
- Operating expenses
- $959
- Total cash invested
- $58,900
- Annual NOI
- $13,691
Financeable, thin
What happens if you change this
At $2,100 rent, this property loses $196 a month after debt service, with a 5.59% cap rate and -4% cash-on-cash on $58,900 invested. The DSCR of 1.14 is what an investor lender underwrites — financeable but thin; a larger down payment raises it. Raising the down payment to 25% would improve DSCR and cash flow but lower your cash-on-cash return — that's the core trade in rental financing.
Ready for real numbers?
Estimates get you oriented. A pre-approval gets you an offer sellers take seriously.
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- Cash to Close CalculatorThe single number that matters most at the start: how much you actually need in the bank.
Questions people ask
- What DSCR do lenders want?
- Most DSCR programs look for 1.0 or better, with the best pricing at 1.2 and above. Below 1.0 some lenders still lend with compensating factors, at a cost.
- Should I count management if I self-manage?
- Yes, if you want an honest number. Your time has value, and one day you may hire it out. A deal that only works because you work for free is fragile.
Estimates for education only — not a loan approval, rate quote, or commitment to lend. Actual figures depend on credit, property, program guidelines, and market conditions at the time of lock. Corie Adams · NMLS #1875205 · Network Funding, LP · NMLS ID #2279 · Equal Housing Opportunity.