Calculate monthly cash flow, cap rate, cash-on-cash return, and GRM for any rental property.
Property & Financing
Income & Expenses
Results
Cash Flow = Effective Gross Income − All Operating Expenses − Mortgage Payment. Positive = profit, negative = you're covering the gap each month.
Cash-on-Cash Return = Annual Cash Flow ÷ Total Cash Invested. A 8%+ CoC is generally considered strong in most markets.
Cap Rate = Net Operating Income (before mortgage) ÷ Purchase Price. Used to compare properties independent of financing. Market cap rates typically range 4%–10%.
Gross Rent Multiplier (GRM) = Purchase Price ÷ Annual Gross Rent. Lower values indicate better value. Typical range: 6–12×.
50% Rule (quick estimate): Operating expenses on a rental typically run ~50% of gross rent. If expenses exceed this, scrutinize carefully.
⚠️ For planning purposes only. Does not include depreciation tax benefits, appreciation, or principal paydown. Actual results depend on local market conditions and property management quality.