Rental property ROI calculator

Rental ROI measures what a property earns against the money you put in. The simplest version is annual cash flow divided by total cash invested. Enter your numbers here to see that return beside cap rate and DSCR.

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  • Official county data
  • Formulas published

Rental assumptions

Model rent, financing, and operating costs. Results update as you edit.

Property

Purchase & income

Price, rent, and capital required at closing.

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Operating costs

Vacancy, reserves, and ownership expenses.

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Calculated results

Rental performance

Cash flow and return metrics from your assumptions.

Enter purchase price and monthly rent to see cash flow and DSCR.

Enter assumptions

Complete the required inputs to save.

What does the rental property roi calculator do?

Highlights return metrics for buy-and-hold rentals using FlipMetric’s rental engine.

Who should use it?

Investors comparing ROI-style outcomes across financing and rent assumptions.

What you need to enter

  • Price, down payment, rate, term
  • Rent, vacancy, operating expenses
  • Your cash-on-cash and DSCR targets

How the calculation works

  1. 1Cash-on-cash return = annual cash flow ÷ cash invested.
  2. 2Cap rate relates NOI to purchase price.
  3. 3DSCR compares NOI to debt service.

The same formulas run the full workspace and are listed on the formulas page.

Worked example

Illustrative levered rental

Price
$300,000
Down payment
25%
Rent
$2,200 / month

Teaching example only — not a market forecast.

How to read the results

  • High cash-on-cash with thin DSCR can still be risky for lenders.
  • Compare unlevered cap rate when financing terms differ.

Common mistakes and limits

  • Calling appreciation-based gains “ROI” without cash flow.
  • Excluding reserves from the analysis.

Insurance shocks can erase paper ROI. Stress-test higher insurance and vacancy.

Questions people ask

Investors use the terms differently. FlipMetric surfaces cash-on-cash, cap rate, and cash flow so you can see multiple views.

FlipMetric

Ready to run your own numbers?

Use the calculator above, or open the full workspace. Your first analysis doesn't need an account.

Open the workspaceSee pricing

Estimates only, not financial, legal or tax advice. Read the disclaimer.