Free rental calculator

Cash-on-cash return

Estimate annual pre-tax cash flow, NOI, cap rate, and cash-on-cash return for a long-term rental. Uses the same sample property as our STR vs LTR calculator.

For illustration only — not tax, legal, or investment advice. Numbers are estimates based on your inputs.

Purchase & financing

Purchase price

Down payment

Closing costs

Rehab / upfront capex

Loan amount

Mortgage APR

Loan term (years)

Rental income

Monthly rent

Vacancy

Other income (annual)

Operating expenses (annual)

Property tax

Insurance

Maintenance

HOA

Utilities (owner-paid)

Management fee

Other operating expenses

Debt service

Monthly mortgage (P&I): $1,327
Annual debt service: $15,928

Annual cash flow

Effective gross income: $27,360
Operating expenses: $10,464
NOI: $16,896
Pre-tax cash flow: $968

Returns

Total cash invested: $76,000
Cash-on-cash return: 1.27%
Cap rate (NOI / purchase price): 6.03%

Cash-on-cash = annual pre-tax cash flow ÷ total cash invested (down + closing + rehab). Cap rate uses NOI before debt service.

Track real numbers

See how rental properties perform together in a sample portfolio — plain-English cash flow, no signup required.

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Compare STR vs LTR

Wondering whether short-term or long-term rental cash flow wins on the same property? Run both side by side.

STR vs LTR calculator

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