Rental Property Investment Calculator

Analyze rental property deals using ROI, Cap Rate, DSCR and Cash Flow in one tool.

Understanding Your Results

ROI (return on investment) measures total return relative to your cash invested (down payment, closing costs, and any upfront rehab). Cap rate measures the property’s income relative to its price, independent of financing. DSCR compares rental income to the mortgage payment, and is the metric most DSCR lenders use to qualify a rental property loan.

Investment Calculator FAQs

What’s a good ROI for a rental property?

Target ROI varies by market, strategy, and risk tolerance — an investor prioritizing cash flow in a stable market will weigh ROI differently than one pursuing appreciation in a higher-growth area. Comparing ROI across a few comparable deals in the same market is more useful than a single fixed benchmark.

How is DSCR different from ROI or cap rate?

ROI and cap rate measure overall investment return. DSCR measures whether the property’s rental income is sufficient to cover its debt payment — it’s a qualification metric lenders use, not strictly a profitability metric.

Can I use this calculator for a purchase and a refinance?

Yes. Enter the property’s purchase price (or current value, for a refinance) along with your loan terms and operating expenses to see how the numbers work for either scenario.

This calculator is provided for informational purposes only. Results are estimates and do not constitute a loan approval, commitment to lend, or guarantee of terms.