Free · No sign-up · California
Free Investment Property Calculator: Cash Flow, Cap Rate & Cash-on-Cash
Run the numbers on a rental in seconds: monthly cash flow, cap rate, cash-on-cash return, DSCR and gross rent multiplier. Every input is editable.
- Cap rate
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- Cash-on-cash return
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- Net operating income (per year)
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- Mortgage P&I (per month)
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- Operating expenses (per month)
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- Total cash invested
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- Debt service coverage ratio
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- Gross rent multiplier
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Estimate only. Not a loan offer, commitment, or financial, legal or tax advice. Figures are general and based on the numbers you enter. Rates and terms are set by lenders and are not promised here. Talk to Jay for a lender referral.
Talk to Jay about these numbers
How to use it
- Enter the purchase price, down payment, loan terms, closing costs and any rehab budget.
- Enter the total monthly rent and any other income, plus a vacancy allowance.
- Add taxes, insurance, HOA, maintenance, management and utilities.
- Compare cash flow and returns, then copy the link to share with a partner or lender.
What the results mean
- Monthly cash flow: Rent after vacancy, minus operating expenses and the mortgage payment.
- Cap rate: Net operating income divided by the price. It ignores financing and is useful for comparing properties.
- Cash-on-cash return: Yearly cash flow divided by the cash you put in (down payment, closing costs and rehab).
- DSCR: Net operating income divided by yearly debt payments. Many investment lenders look for about 1.2 or higher, but requirements vary.
Frequently asked questions
What is a good cap rate?
It depends on the area, property type and risk. Higher cap rates often come with more risk or management. Compare similar properties nearby.
What is the difference between cap rate and cash-on-cash?
Cap rate ignores the loan; cash-on-cash measures the return on the cash you invested after mortgage payments.
How much should I budget for maintenance and vacancy?
Many investors start around 5% to 10% of rent for each, then adjust for the age and condition of the property.
Does Miamar help investors?
Yes. Jay Romero works with investors on income properties across Southern California and can refer you to lenders.
Related free tools
- Mortgage CalculatorMonthly payment with California property tax, insurance, HOA and PMI.
- Closing Cost EstimatorTypical California buyer closing costs, shown as a low-to-high range.
- Compare Two CitiesPut two Southern California city guides side by side.
Talk to Jay
Questions about your numbers? Call or text Jay Romero, Broker (DRE 01343079), with over 25 years in Southern California real estate, at (949) 822-8702. Or use the form above and your numbers come along automatically.
