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Analyze any rental property before you buy. Get monthly cash flow, cap rate, cash-on-cash return, and a deal rating in seconds.
As % of property value (except vacancy & management)
US avg ~1.1%
Typically 0.4–0.7%
Budget ~1%/yr
% of rent, 5–10%
% of rent. Self-manage = 0%, typical PM = 8–12%
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Disclaimer: Results are estimates for educational purposes only and should not be considered financial advice. Consult a licensed financial advisor before making investment, mortgage, or major financial decisions.
Rental property analysis uses three core metrics. Cap rate measures unlevered yield: Net Operating Income ÷ Purchase Price × 100. A 6% cap rate means the property earns 6% of its value annually before financing. Cash-on-cash return measures return on your actual cash invested: Annual Cash Flow ÷ Cash Invested × 100. Monthly cash flow is rent minus all expenses — the number that hits your account.
Rental Property Example
Monthly Rent
$1,800
gross rent
All Expenses
$1,350
mortgage, tax, ins, maint
Monthly Cash Flow
$450
$5,400/year
Cash-on-Cash ROI
8.1%
on $67k down payment
Always budget for vacancy (5–8% of rent), maintenance (1% of property value annually), and capital expenditures like roof, HVAC, and appliances ($100–$200/month). Investors who skip these expenses are surprised when their cash flow disappears — budget them in from day one.
A cap rate of 5–10% is generally considered good, but it varies by market. In high-cost cities like NYC or SF, cap rates of 3–4% are normal. In smaller Midwest or Southern markets, 7–10% is common. Higher cap rate = higher return but often more risk or more management-intensive properties.
Cash-on-cash return (CoC) measures your annual pre-tax cash flow divided by your total cash invested (down payment + closing costs). If you invested $60,000 and earn $4,800/year in cash flow, your CoC return is 8%. This is the most important metric for leveraged real estate investors.
The 50% rule of thumb: expect about 50% of gross rent to go to expenses (not including mortgage). This covers property taxes, insurance, maintenance, repairs, vacancies, and property management. New investors often underestimate maintenance (budget 1% of property value per year) and vacancy (budget 5–8%).
The 1% rule says monthly rent should be at least 1% of the purchase price. A $200,000 property should rent for at least $2,000/month. This is a quick screening tool — properties meeting the 1% rule more easily cash flow positively. In expensive markets, 0.5–0.7% is often the reality.
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