REI Toolkit
Rental Cash Flow
Buy-and-hold analyzer

Does this rental
actually cash flow?

Enter the purchase, financing, income, and expenses to instantly see monthly cash flow, cap rate, and cash-on-cash return.

3 steps
Property · Income · OpEx
9 metrics
Computed live
Instant
No signup
Property & financing
Step 1 of 3
$
Total acquisition price.
%
Percent down.
$
One-time buying costs.
%
Loan APR.
yrs
Years on the mortgage.
Income
Step 2 of 3
$
Gross market rent.
%
Expected vacancy.
$
Laundry, parking, fees.
Operating expenses
Step 3 of 3
$
Monthly property taxes.
$
Monthly insurance.
$
Property management fee.
$
Repairs reserve.
$
Association dues.
Cash flow summary
Monthly cash flow
Cash to close
Loan amount
Mortgage payment
Operations
Effective gross income
Operating expenses
Net operating income
Returns
Annual cash flow
Cap rate
Cash-on-cash return
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Transparent math

How the formulas work

① Loan amount
Price × (1 − Down%)

What you borrow after the down payment.

② Effective gross income
(Rent + Other) × (1 − Vacancy%)

Collected income after vacancy.

③ NOI
EGI − Operating expenses

Income before debt service.

④ Cap rate
Annual NOI / Price

Unlevered yield — compare deals apples-to-apples.

⑤ Cash flow
NOI − Mortgage

Monthly profit after the loan payment.

⑥ Cash-on-cash
Annual cash flow / Cash to close

Return on your actual cash invested.

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