sfrcalc.comPurchase
$
$
$
Financing
%
%
yrs
Income
$
$
Operating expenses
$
$
$
%
%
%
%
Monthly cash flow
$0
Cash-on-cash return
0%
Cap rate
0%
DSCR
0.00
Rent-to-cost ratio
0%
| Gross monthly rent | |
| Other income | |
| Vacancy loss | |
| Effective income | |
| Property taxes | |
| Insurance | |
| HOA | |
| Property management | |
| Maintenance | |
| CapEx reserve | |
| Net operating income | |
| Debt service (P&I) | |
| Monthly cash flow |
| Loan amount | |
| Down payment | |
| Closing costs | |
| Rehab | |
| Total cash needed |
Cap rate is calculated on purchase price + rehab (all-in cost), not resale value. Cash-on-cash return uses annual cash flow divided by total cash needed. Rent-to-cost ratio is monthly rent divided by all-in cost — a reference point, not a pass/fail screen; what counts as a strong ratio varies by market. See our article on setting realistic return targets.
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