Rental Cash Flow Calculator

Build a realistic monthly operating picture instead of simply subtracting the mortgage from the rent.

Number of unitsunitsAverage monthly rent / unit$/unitOther monthly income$/propertyVacancy%Initial vacant monthsmonthsManagement basisMortgage / debt service$/moProperty taxes$/yrInsurance$/yrMaintenance & repairs reserve% scheduled base rentCapital expenditures reserve% scheduled base rentProperty management% selected rent basisUtilities + other landlord expenses$/moHOA / recurring$/mo

ESTIMATED MONTHLY CASH FLOW—

GROSS RENT

EFFECTIVE INCOME

EXPENSES + CAPITAL RESERVE

INCOME AFTER RESERVE

EXPENSE RATIO

DSCR AFTER RESERVE

CASH FLOW / UNIT

FIRST-12-MONTH BREAK-EVEN OCCUPANCY

Cash flow = effective income − operating expenses − capital reserve − debt service. The income and coverage figures here deduct capital reserve; conventional NOI is before that reserve.
Maintenance and capital reserve use scheduled base rent. Management uses the selected base-rent basis.

What should a cash-flow estimate include?

Vacancy applies to scheduled rent and other modeled income, consistent with the main analyzer. Subtract realistic operating expenses after that adjustment. Taxes, insurance, management, repairs, capital reserves, utilities and recurring property expenses can materially change the result.

Conventional NOI excludes debt service and capital reserve. This calculator deducts the entered capital reserve before showing income and debt coverage. Cash flow then subtracts debt service.

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Rental Cash Flow Calculator

Better questions. Clearer rental deals.

What should a cash-flow estimate include?