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All Calculators/Single-Unit Rental Calculator

Single-Unit Rental Deal Analyser

Run the numbers on any single-family or condo rental. Get cash flow, cap rate, DSCR, and a printable bank-ready investment analysis report — the same format lenders expect to see.

Load scenario:
0/9 fields
$
%
%

✓ Live rate: 30yr 6.23% + 0.625% premium = 6.855% · St. Louis Fed (FRED)

$40,000 down  / $160,000 loan
$
%
%
Rental Income for Bank Serviceability Assessment (75% of gross rent)
$1,313/mo
Most US lenders use 75% of gross rent to account for vacancy and expenses when assessing loan serviceability.
Deal Score
Cash flow · DSCR · Tenant contribution · Yield
5
/10
Calculated equity play.
Small monthly contribution from you, but your tenant is covering the majority of the mortgage. You're building wealth at a discount.
Your tenant covers 84% of total costs. You're contributing just $283/mo to own a $200,000 asset that appreciates, pays down debt, and delivers tax savings.
💡Tip: If this deal is tight, ask your lender about buying discount points — paying a small upfront fee to permanently lower your interest rate can improve your cash flow and push your DSCR above the lender threshold.
💡Tip: This deal is close. Negotiating the purchase price down by $21,289 could flip it to cash-flow neutral. Every dollar off the price is a dollar off your loan — don’t leave money on the table.

Deposit meets the 15% minimum for all three affordability tiers

Your $40,000 deposit covers the Investment Conventional (15% min) minimum across Bank Max, Comfortable, and Honest prices.

Monthly Cash Flow
-$122
Annual Cash Flow
-$1,459
Tenant Covers
84%
You contribute $283/mo
Cash-on-Cash Return
-3.6%
Annual return on down payment
Cap Rate
5.56%
Net yield on purchase price
DSCR
0.88
⚠ Below lender minimum (1.25)
Gross Rental Yield
10.50%
Gross rent ÷ purchase price
Net Rental Yield
5.56%
NOI ÷ purchase price
Break-Even Rent
$1,882
Min rent to cover all costs
Quick Rules Check
~ Miss1% Rule

Monthly rent should be ≥ 1% of purchase price. A rough first filter — not a deal-breaker on its own.

0.88%
target ≥ 1%
✓ Pass50% Rule

Operating expenses (excluding mortgage) should be ≤ 50% of gross rent. A quick sanity check on running costs.

42.4%
target ≤ 50%
✓ GoodGross Rent Multiplier

Purchase price ÷ annual gross rent. Lower is better — under 12× is generally considered reasonable for residential.

9.5×
target ≤ 12×
Principal & Interest$1,049
Property Tax$255
Insurance$100
Maintenance Reserve$167
Property Management$161
Total Monthly Expenses$1,732
Effective Gross Rent (after vacancy)$1,610
Monthly Cash Flow-$122
Want to understand every number on this page?

Stop Guessing on Deals. Just Tell Me What To Do. — the Property Series Book 3 — walks you through every metric in plain English. No jargon. No theory. Just the framework to analyse any deal in under 10 minutes.

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