Rental Property ROI Calculator
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Total Cash Required $98,000
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yrs
Loan Amount $262,500
Monthly P&I $1,791
Monthly PITIA $2,291
LTV Ratio 75%
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Percentage-based expenses (calculated on rent)
Total Monthly OpEx $1,046
yrs
%
Investment Analysis
✓ Cash Flow Positive Monthly Cash Flow
-$177
-$2,124/yr
Cash on Cash
-2.17%
Return on cash invested
Cap Rate
5.53%
Unlevered return
Total ROI
12.66%
Year 1 complete return
DSCR
1.22
✓ Loan eligible
GRM
10.4
Gross Rent Multiplier
Break-Even
101%
Occupancy needed
Expense Ratio
39%
OpEx % of income
DSCR Loan Qualification
$2,800
$2,291
1.22
DSCR = Rent ÷ PITIA (P&I: $1,791 + Tax: $350 + Ins: $150)
Monthly Cash Flow Breakdown
Gross Rental Income +$2,800
Less: Vacancy (5%) -$140
Effective Gross Income $2,660
Property Tax -$350
Insurance -$150
Property Mgmt (10%) -$266
Maintenance (5%) -$140
CapEx (5%) -$140
Total Operating Expenses -$1,046
Net Operating Income (NOI) $1,614
Less: Mortgage Payment (P&I) -$1,791
Monthly Cash Flow -$177
First Year Total Return
Cash Flow
Net income after all expenses
Principal Paydown
Equity built via mortgage payments
Appreciation
Property value increase (3%)
Total First Year Return
On $98,000 invested
$12,458
12.66% ROI
Exit Analysis at Year 5
$405,742
$165,876
$141,532
$32,912
| Year | Property Value | Monthly Rent | Annual CF | Equity | Cumulative CF |
|---|
Quick Assessment
✗ Negative Cash Flow
You’ll pay out of pocket monthly to hold this property. Renegotiate or pass.
⚠ DSCR Loan Possible
May qualify for some DSCR programs at 1.0 minimum. Check with lender.
✗ Poor Cash Returns
Better returns available elsewhere. Renegotiate or pass on this deal.
