Investment Property Analysis

Would This Cashflow?

A quick-look investment property calculator. Edit any field — the numbers update as you go. Pre-filled with example figures for a single-family rental.

Purchase & Financing

$
%
%
yrs
$

Income

$
%

Operating Expenses

$
$
$
%
%
$

The verdict

—

Rule of thumb used here: cashflows when monthly cash flow is positive, DSCR is at least 1.25, and cash-on-cash return is at least 8%. Marginal deals clear debt service but miss one of those marks.

NOI

$0

Net operating income — annual rent collected minus operating expenses, before the mortgage.

Cap Rate

0%

NOI ÷ purchase price. A quick read on return if the property were bought in cash.

Often screened around 5–8%, varies a lot by market.

Cash-on-Cash Return

0%

Annual cash flow ÷ cash actually invested (down payment + closing costs). The return on your real dollars in the deal.

A common target floor for buy-and-hold investors is 8%.

DSCR

0.00

NOI ÷ annual debt service. Shows how comfortably income covers the mortgage payment.

Lenders often look for 1.20–1.25+.

GRM

0.00

Purchase price ÷ gross annual rent. A fast screening ratio — lower can mean a better price relative to rent.

Useful for quick comparisons within the same market.