Rental Cash Flow Calculator
See your monthly cash flow and what it says about the deal.
Enter rent, expenses, and reserves to estimate monthly cash flow, annual cash flow, break-even pressure, and how tight the margin looks.
Income
Operating expenses (monthly)
NOI (before mortgage): $1,505/mo
Debt service
Cash Flow
Effective income$2,090/mo
Total expenses$1,785/mo
Net monthly$305/mo
Annual cash flow$3,660
Tight margin
Cash flow positive, but there is not much buffer for vacancies or unexpected repairs.
Key ratios
Expense ratio85.4%
85.4% of effective income goes to expenses.
Break-even occupancy81.1%
You need 81.1% of expected rent collected each month to cover these costs.
DSCR1.25×
Lender-ready
Debt service coverage ratio = NOI ÷ mortgage. Most lenders require ≥ 1.25×.