Rental Property Cash Flow

Estimate monthly cash flow, DSCR, cap rate, and cash-on-cash return on an investment property. Includes a 5% maintenance and 3% vacancy reserve.

For an investment property, the question is whether the rent covers the costs. This estimates monthly cash flow plus the return measures lenders and investors actually use — DSCR, cap rate, and cash-on-cash.

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Purchase priceDown payment

Mortgage rateAmortization

Monthly rent

Annual property taxAnnual insurance

Monthly condo fees

$-495.11

Monthly cash flow

Monthly mortgage payment: $3,383.44
Monthly operating expenses: $1,111.67
DSCR: 0.85
Cap rate: 4.33%
Cash-on-cash return: -2.76%

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Terms, in plain language

Cash flow: What’s left each month after rent pays the mortgage and all operating costs. Positive means the property pays for itself; negative means you top it up.
DSCR (Debt Service Coverage Ratio): How well the rental income covers the mortgage. Above 1.0 means income exceeds the payment — lenders often want 1.1 or higher.
Cap rate: The property’s annual net income as a percentage of its price — a quick way to compare returns across properties, ignoring the mortgage.
Cash-on-cash return: Your annual cash flow as a percentage of the actual cash you put in (down payment plus closing costs). Measures the return on your own money.