Rental cash flow and DSCR calculator

Planning calculator

See whether the rent supports the deal.

Account for vacancy, ongoing expenses, and debt payments. Compare cash flow and two clearly defined debt-coverage measures.

Purchase price

Down payment

Interest rate

Loan term / years

Property tax / year

Home insurance / month

HOA dues / month

Scheduled rent / month

Vacancy allowance

Management (% of scheduled rent)

Maintenance / month

Capital replacement reserve / month

Owner-paid utilities / month

Purchase closing costs

Initial improvements

Estimated rental cash flow / month$108After operating costs, debt, and capital reserves

Rent after vacancy: $3,325
Operating expenses / month: $1,072
Net operating income / month: $2,253
Principal & interest / month: $1,946
Gross-rent DSCR (rent ÷ PITIA): 1.38×
NOI debt coverage: 1.16×
Cash invested: $118,000
Annual cash-on-cash return: 1.09%
Cap rate (incl. improvements): 6.60%

Discuss investment financing

Educational estimate only. Actual qualification, costs, and loan terms vary.

How this estimate works

NOI subtracts vacancy and operating expenses, including property tax and insurance, before principal and interest. Capital reserves are deducted from cash flow, not NOI. Gross-rent DSCR divides scheduled rent by principal, interest, taxes, insurance, and HOA; NOI coverage divides NOI by principal and interest. Lenders use different definitions and eligibility rules. Cash-on-cash return uses the down payment, closing costs, and improvements; excludes appreciation and income taxes.

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