Investment Analysis
Investment Calculator
Analyze rental property cash flow, cap rates, and debt service coverage ratios for informed investment decisions.
Investment Property Analysis
Illustrative default rate. Use the rate you were actually offered, or see today's rates.
Investment Analysis
Monthly Payment
$3,645
Principal & Interest
Net Operating Income
$2,874
Monthly NOI
Cash Flow
$-771
Monthly net cash
Cap Rate
4.31%
Annual NOI ÷ price
DSCR
0.79
NOI ÷ mortgage payment
Cash-on-Cash
-4.30%
Annual cash flow ÷ cash invested
Investment Requires Review
Consider adjusting purchase price, down payment, or rental income
Note: Estimates only, before income tax. Cash flow excludes capital expenditures/major repairs, rent growth and appreciation; closing costs are used only for cash-on-cash return. Lenders may qualify rental income differently (e.g. 50% add-back or rental offset). Consult a financial advisor for comprehensive investment planning.
Investment Metrics Explained
Cap Rate (Capitalization Rate)
Annual NOI divided by property value. Higher cap rates indicate better returns but may come with higher risk.
DSCR (Debt Service Coverage Ratio)
NOI divided by mortgage payments. Lenders typically require DSCR ≥ 1.20 for investment properties.