Rental Property Analyzer

01

Property & Purchase

Acquisition details

Property Value / Purchase Price

$

Down Payment

$

Loan Interest Rate

%

Loan Term

yrs

02

Monthly Income

Gross rental income

Monthly Rent

$

Vacancy Rate Typical: 5–8% for stable markets

%

03

Monthly Expenses

Operating costs (excluding mortgage)

Property Tax Monthly amount

$

Insurance Monthly amount

$

Property Management Typical: 8–10% of rent

$

Maintenance / Repairs Typical: 1% of value/yr ÷ 12

$

CapEx Reserve Big repairs: roof, HVAC, etc.

$

Other Expenses HOA, utilities, etc.

$

Cap Rate

—

—

Monthly Cash Flow

—

—

Cash-on-Cash

—

—

Income Breakdown (Monthly)

Gross Rent —

Vacancy Loss —

Effective Gross Income —

Expense Breakdown (Monthly)

Property Tax —

Insurance —

Property Management —

Maintenance —

CapEx Reserve —

Other —

Total Operating Expenses —

Net Operating Income & Cash Flow

Net Operating Income (NOI) —

Mortgage Payment (P&I) —

Monthly Cash Flow —

Annual Cash Flow —

—

Benchmark Reference

Cap Rate Benchmarks

Excellent8%+

Good6–8%

Fair4–6%

WeakUnder 4%

Cash-on-Cash Benchmarks

Excellent10%+

Good6–10%

Fair3–6%

WeakUnder 3%

Cash Flow (Monthly)

Strong$500+

Acceptable$200–$500

Break-even$0–$200

NegativeBelow $0

What Is Cap Rate?

FormulaNOI ÷ Value

UsesCompare deals

ExcludesMortgage

Best forRentals, not flips