Rental Property Investment Calculator: Does the Deal Pay? A rental can look great on paper and still lose money every month. The rent sounds high, but then come the mortgage, taxes, insurance, repairs, empty months and the management fee.

This calculator shows what’s really left.

Enter the price, down payment, interest rate and rent, and it works out the cap rate, your cash-on-cash return, the first year’s cash flow, and whether the rent covers the mortgage. A chart then shows how much equity the property builds over the years you plan to hold it, and a table gives the numbers year by year. It’s a simplified demo with sample data. It leaves out selling costs, taxes and refinancing. For a real deal I build the model around your own property, financing and plans, and compare several properties side by side.

If you’d like a calculator for a deal you’re considering, send me a message.