Free Rental Property Calculator
Enter one long-term rental’s price, rent, financing, and operating costs. See monthly planning cash flow, upfront cash, cap rate, cash-on-cash return, and break-even occupancy. Rental Deal Quick Check shows how your assumptions shape the result without giving a buy-or-pass verdict.
Rental Deal Quick Check
Deal
Start with the price, total rent, and buyer closing costs you expect.
Step 1 of 4
Rental Deal Quick Check · under your assumptions
- 01 / Primary resultper month
Projected monthly planning cash flow
Average stabilized monthly planning result before income taxes and unmodeled items. Known immediate repairs appear in upfront cash, not this monthly figure.
- 02 / Supporting metrics
Four useful measures
Estimated upfront cashCap rateCash-on-cash returnBreak-even occupancySee the calculation details
- Annual scheduled rent
- Effective income after vacancy
- Net operating income
- Monthly principal and interest
- Annual planning cash flow
Cap rate uses NOI before financing and CapEx. Cash-on-cash uses annual planning cash flow and this screen’s simplified upfront cash. Break-even occupancy solves the collection threshold separately from the entered base vacancy allowance.
- 03 / What drives it
Included costs, in context
Fixed operating costsManagement allowanceMaintenance allowanceCapital-repair reserveAnnual debt service - 04 / Assumptions to verify
What did this screen use?
These entries are your working assumptions. Research or confirm uncertain amounts before relying on the screen.
Still using starter assumptions
Zero-input notes
Research the inputs behind the result
- Verify market rentBuild a better rent range from comparable evidence.
- Choose a vacancy rateUse property history, leasing activity, and market context.
- Check rental expensesSeparate operating costs, financing, and upfront cash.
- Stress-test the propertySee how the result changes when assumptions get worse.
- Review the seven numbersCheck the broader pre-purchase input picture.
- 05 / Limitations
What this screen cannot know
Prosperity provides educational calculations and planning tools. Results are estimates based on the information and assumptions you enter. They are not investment, financial, tax, legal, insurance, or lending advice, and they do not determine whether a property is suitable for you.
This calculator excludes detailed acquisition credits, initial reserves, stabilization timing, first-year repairs and shortfall, local rules, and evidence quality. Estimated upfront cash is a simplified screen, not the Analyzer’s Total Cash Required.
- 06 / Next useful step
Know what to research next.
If the property still merits attention, the Prosperity Long-Term Rental Property Deal Analyzer adds detailed acquisition, repair, first-year, Stress Test, and Verify workflows. It is optional for this free calculator.