Rental Property ROI Calculator
First-year ROI of a rental from purchase through cash flow — cap rate, cash-on-cash and the full cost stack in one pass.
Formula
At 2020s rates many markets price negative leverage — cap rate below mortgage rate — meaning debt reduces your return. When CoC is below the cap rate, you're paying the bank for the privilege; the deal needs rent growth or a refi thesis to work.
Not financial advice — for informational and analytical use only. Verify all figures with a qualified professional before acting on them.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need rental property roi calculator results fast? Analysts, founders, traders and finance professionals use the Rental Property ROI Calculator to skip the spreadsheet and get a defensible answer in one step — free, private and instant.
About Rental Property ROI Calculator
First-year ROI of a rental from purchase through cash flow — cap rate, cash-on-cash and the full cost stack in one pass. At 2020s rates many markets price negative leverage — cap rate below mortgage rate — meaning debt reduces your return. When CoC is below the cap rate, you're paying the bank for the privilege; the deal needs rent growth or a refi thesis to work. The governing relationship is CoC = (NOI − debt service) / down payment. The Rental Property ROI Calculator computes entirely in your browser — free, private (your figures never leave your device) and instant, recalculating live as you change any input.
How to use Rental Property ROI Calculator
- 1Enter Purchase price (currency), Down payment (%), Mortgage rate (%), Monthly rent (currency), Operating costs (% of rent) (%), Vacancy (%) into the Rental Property ROI Calculator.
- 2The result is computed automatically using CoC = (NOI − debt service) / down payment — there is no button to press.
- 3Change any input to model a different scenario, then copy or share the result.
Why use Rental Property ROI Calculator?
- ✓Computes rental property roi calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter stay private
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
What is the formula behind the Rental Property ROI Calculator?+
Rental Property ROI Calculator uses CoC = (NOI − debt service) / down payment. At 2020s rates many markets price negative leverage — cap rate below mortgage rate — meaning debt reduces your return. The tool substitutes your actual inputs into this relationship and shows the worked example step by step.
What inputs does the Rental Property ROI Calculator need?+
Enter Purchase price (currency), Down payment (%), Mortgage rate (%), Monthly rent (currency), Operating costs (% of rent) (%), Vacancy (%) and the result updates immediately — there is no button to press. Change any value to model a different scenario in real time.
Is the Rental Property ROI Calculator free, and is my data private?+
Yes — it is completely free with no sign-up or usage limit, and it runs entirely in your browser, so the numbers you enter are never uploaded or stored on any server. It is for informational and analytical use, not financial advice.
What should I watch out for when using the Rental Property ROI Calculator?+
When CoC is below the cap rate, you're paying the bank for the privilege; the deal needs rent growth or a refi thesis to work.
What is the Rental Property ROI Calculator based on?+
The method follows authoritative sources: Standard rental underwriting practice. The formula and references are shown on the page so you can verify and cite the result.
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