Analyze any rental deal in seconds. Enter the purchase price, financing, rent, and operating assumptions, and this calculator instantly returns the numbers investors actually decide on — monthly cash flow, cap rate, cash-on-cash return, and DSCR — with US and Canadian mortgage math built in. Your inputs save to your device and reopen later, so it doubles as a deal tracker.
Region
Purchase & Financing
$
%
%
yrs
$
$
Income (monthly)
$
$
Operating assumptions
%
%
%
%
$
$
$
$
Monthly cash flow
$97
after all expenses + debt
Cash-on-cash
1.58%
annual return on cash in
Cap rate
6.98%
NOI ÷ purchase price
DSCR
1.17
NOI ÷ debt service
The numbers
Total cash to close
$73,500
Loan amount
$187,500
Monthly P&I payment
$1,247
Net operating income (/yr)
$17,448
Annual cash flow
$1,159
Gross rent multiplier
9.47
1% rule (rent ÷ price)
0.88%
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Prices in
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✓ Includes the full toolkit. One purchase — this calculator already does everything these do, no add-ons: Cap Rate Calculator · DSCR Calculator
How it's calculated
NOI = effective gross income minus operating expenses, excluding mortgage and CapEx reserve, so cap rate is comparable across deals.
Cap rate = NOI ÷ purchase price. Cash-on-cash = annual cash flow ÷ total cash invested.
DSCR = NOI ÷ annual debt service; lenders typically want 1.25 or higher.
US loans compound monthly; Canadian fixed mortgages compound semi-annually — the payment adjusts by country.
It depends on the market, but many investors look for 6%+ in typical markets. This calculator flags cap rate, cash-on-cash, and DSCR with color-coded thresholds so you can judge a deal at a glance.
Does this work for Canadian mortgages?
Yes. Switch the country to Canada and the payment uses semi-annual compounding (the Canadian standard) instead of monthly, and currency switches to CAD.
Is my financial data stored anywhere?
No. Everything you enter stays in your own browser on your device. Nothing is uploaded to a server.