Rental Property Calculator

Assuming non-homestead everywhere. Enter basics → click Calculate to auto-fill vacancy, taxes, insurance, maintenance, and turnover. Then tweak inputs as needed.

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Project

Property Address

ZIP Code

Square Footage

Year Built

After-Repair Value (ARV)

Monthly Rent

Computed Assumptions

Vacancy from your Q2-2025 table via ZIP→MSA (+ alias). Taxes via ZIP → County → State table (non-homestead). Insurance/maintenance/turnover per your rules.

Insurance (annual)

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Maintenance (annual)

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Turnover (annual)

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$0.60 × SqFt

Property Tax (annual)

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Vacancy Rate

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Rule	Input	Result

Underwriting Inputs

Purchase Price

Use Loan?

Down Payment (%)

Interest Rate (APR %)

Loan Term (years)

Other Closing Costs ($)

Need Repair?

Repair Cost ($)

ARV (for calc)

Property Tax / yr ($)

Insurance / yr ($)

HOA / mo ($)

Maintenance / yr ($)

Turnover / yr ($)

Expense Increase / yr (%)

Rent / mo ($)

Rent Increase / yr (%)

Other Income / mo ($)

Other Income Increase / yr (%)

Vacancy (% of gross)

Management (% of rent)

Know Sell Price?

Appreciation / yr (%)

Sell Price (if known)

Holding Period (years)

Selling Costs (% of sale)

Ready

Key Results

Monthly Mortgage (P&I)

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Monthly Operating Expenses

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Monthly Cash Flow (Yr 1)

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NOI (Annual, Yr 1)

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Cap Rate (Yr 1)

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Cash-on-Cash (Yr 1)

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Projected Sale Price

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Loan Balance at Sale

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Net Proceeds (after costs)

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Total Cash Flow (holding)

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Total Profit

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IRR (annualized)

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Cash Flow by Year

Year	Rent	Other Inc	Vacancy	OpEx	NOI	Debt Svc	Cash Flow

Cap rate uses Year-1 NOI divided by acquisition basis (price + closing + repairs). Cash-on-cash uses initial cash invested. IRR uses annual cash flows with sale proceeds at end of hold.