Rental Property Cash Flow & Cap Rate Calculator
Analyze residential real estate deals in seconds. Calculate monthly net cash flow, Cap Rate, and Cash-on-Cash returns.
Purchase & Financing Terms
Deal AnalyzerInvestment Returns & Cash Flow
Net Monthly Cash Flow
$456.84/mo
Cap Rate
7.2%
Cash-on-Cash
8.7%
Annual NOI
$20,520
Gross Annual Rent (100% Occupancy)
$28,800.00
Monthly Mortgage Principal & Interest (P&I)
-$1,479.16/mo
Taxes & Insurance (Escrow)
-$366.67/mo
Management & CapEx Reserves (18%)
-$432.00/mo
Total Initial Cash Required (Down + 3% Closing)
$65,550.00
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Frequently Asked Questions About Rental Property Returns
Cap Rate formulas, Cash-on-Cash ROI, and operating expense benchmarks.
What is a good Cap Rate for a rental property in 2026?
A good Capitalization Rate (Cap Rate) generally ranges between 6.0% and 10.0%, depending on the market tier. Higher risk or emerging markets command 8% to 12% Cap Rates, while prime metro markets often trade at 4.5% to 6.5%.
How is Cash-on-Cash Return calculated?
Cash-on-Cash Return = (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100. It measures the true annual cash yield generated on the actual money you put into the deal (down payment + closing costs + rehab).