Evaluate residential and commercial rental real estate investments by projecting cash flow, capitalization rate (Cap Rate), Cash-on-Cash return, net equity growth, and multi-year Internal Rate of Return (IRR).
• Purchase Terms: Configure acquisition price, down payment, loan terms, closing costs, and upfront repair capital.
• Operating Expenses & Inflation: Itemize property taxes, insurance, HOA, and maintenance, each with custom annual inflation growth rates.
• Income & Vacancy: Enter gross rental income and deductions for vacancy and professional property management fees.
• Holding Horizon & Sale: Project property appreciation and sales commissions to calculate your lifetime profit and IRR.
+$4,588.63
+$382.39 / month$46,000.00
$16,100.00/yr
8.33
1.40
$361,222.25
$402,304.36
Annualized income, operating expenditures, debt amortization, and equity accumulation over 20 years.
| Year | Gross Income | Operating Exp | NOI | Debt Service | Net Cash Flow | Loan Balance | Property Value | Total Equity |
|---|---|---|---|---|---|---|---|---|
| Year 1 | $24,000.00 | -$6,700.00 | $16,100.00 | -$11,511.37 | +$4,588.63 | $158,035.18 | $206,000.00 | $47,964.82 |
| Year 2 | $24,720.00 | -$6,901.00 | $16,583.00 | -$11,511.37 | +$5,071.63 | $155,949.18 | $212,180.00 | $56,230.82 |
| Year 3 | $25,461.60 | -$7,108.03 | $17,080.49 | -$11,511.37 | +$5,569.12 | $153,734.51 | $218,545.40 | $64,810.89 |
| Year 4 | $26,225.45 | -$7,321.27 | $17,592.90 | -$11,511.37 | +$6,081.53 | $151,383.25 | $225,101.76 | $73,718.51 |
| Year 5 | $27,012.21 | -$7,540.91 | $18,120.69 | -$11,511.37 | +$6,609.32 | $148,886.97 | $231,854.81 | $82,967.84 |
| Year 6 | $27,822.58 | -$7,767.14 | $18,664.31 | -$11,511.37 | +$7,152.94 | $146,236.72 | $238,810.46 | $92,573.73 |
| Year 7 | $28,657.26 | -$8,000.15 | $19,224.24 | -$11,511.37 | +$7,712.87 | $143,423.02 | $245,974.77 | $102,551.76 |
| Year 8 | $29,516.97 | -$8,240.15 | $19,800.97 | -$11,511.37 | +$8,289.60 | $140,435.77 | $253,354.02 | $112,918.25 |
| Year 9 | $30,402.48 | -$8,487.36 | $20,395.00 | -$11,511.37 | +$8,883.63 | $137,264.27 | $260,954.64 | $123,690.37 |
| Year 10 | $31,314.56 | -$8,741.98 | $21,006.85 | -$11,511.37 | +$9,495.48 | $133,897.16 | $268,783.28 | $134,886.12 |
| Year 11 | $32,253.99 | -$9,004.24 | $21,637.05 | -$11,511.37 | +$10,125.68 | $130,322.38 | $276,846.77 | $146,524.40 |
| Year 12 | $33,221.61 | -$9,274.37 | $22,286.17 | -$11,511.37 | +$10,774.80 | $126,527.11 | $285,152.18 | $158,625.07 |
| Year 13 | $34,218.26 | -$9,552.60 | $22,954.75 | -$11,511.37 | +$11,443.38 | $122,497.75 | $293,706.74 | $171,208.99 |
| Year 14 | $35,244.81 | -$9,839.18 | $23,643.39 | -$11,511.37 | +$12,132.02 | $118,219.88 | $302,517.94 | $184,298.07 |
| Year 15 | $36,302.15 | -$10,134.35 | $24,352.69 | -$11,511.37 | +$12,841.32 | $113,678.15 | $311,593.48 | $197,915.33 |
| Year 16 | $37,391.22 | -$10,438.38 | $25,083.28 | -$11,511.37 | +$13,571.91 | $108,856.30 | $320,941.29 | $212,084.99 |
| Year 17 | $38,512.95 | -$10,751.53 | $25,835.77 | -$11,511.37 | +$14,324.40 | $103,737.05 | $330,569.53 | $226,832.47 |
| Year 18 | $39,668.34 | -$11,074.08 | $26,610.85 | -$11,511.37 | +$15,099.48 | $98,302.06 | $340,486.61 | $242,184.55 |
| Year 19 | $40,858.39 | -$11,406.30 | $27,409.17 | -$11,511.37 | +$15,897.80 | $92,531.84 | $350,701.21 | $258,169.37 |
| Year 20 | $42,084.15 | -$11,748.49 | $28,231.45 | -$11,511.37 | +$16,720.08 | $86,405.74 | $361,222.25 | $274,816.51 |
Successful real estate investors look beyond top-line gross rent to evaluate cash flow durability, debt coverage, and long-term internal rates of return (IRR).
Measures an asset's unleveraged return regardless of financing terms, providing a baseline comparison across properties.
Measures the actual cash yield generated on your initial out-of-pocket cash outlay (down payment + closing costs + repairs).
The comprehensive annualized rate of return that accounts for rental cash flows, mortgage principal paydown, and terminal capital appreciation upon eventual sale.
Project long-term compound growth and periodic contributions.
Calculate monthly mortgage P&I, PMI, and amortization.
Access all property, construction, and mortgage tools.
Determine if refinancing a loan will lower payments and save interest.