Free tool · Real estate

Rental Property Calculator

Cap rate, cash-on-cash return, DSCR, and year-1 cash flow — the four numbers that decide whether a rental deal actually works.

Cash-on-cash return

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Debt-service coverage (DSCR)

Where each month’s rent goes

Cap rate

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Year-1 cash flow

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Monthly cash flow

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Mortgage / mo

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Show my work

Effective rent = rent × (1 − vacancy), monthly—

Operating expenses (monthly)—

NOI = (rent − expenses) × 12—

Annual debt service—

Cap rate = NOI ÷ value—

Cash-on-cash = annual cash flow ÷ down payment—

DSCR = NOI ÷ annual debt service—

DSCR ≥ 1.25 is a common lender threshold for financeability — not a guarantee. Cash-on-cash uses your down payment as invested capital (it excludes closing costs and rehab). Income tax and depreciation are modeled in the full ClearAxisCFO plan, not here.

One slice of the picture

Model this property’s full 10-year arc with depreciation, passive losses, and your taxes in ClearAxisCFO.