Monthly cash flow
N/A
After expenses, reserves & mortgage
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RENTAL ANALYSIS
See what a property could earn.
Adjust the numbers. Understand cash flow and equity.
Your first year
Planning estimates, not professional advice or loan offers. Verify inputs and results before acting. Terms & privacy.
Correct the highlighted inputs to update your results.
Cash-on-cash return
N/A
Annual cash flow ÷ upfront cashUpfront cash needed
N/A
Down payment + closing + repairsCompare rent growth, financing and saved offers with Plus · $10/month
Percentage returns are undefined when upfront cash is $0. Cash flow and equity amounts are still shown.
Cash flow + equity
Year 1- Annual cash flow
- N/A
- Equity gained from loan paydown
- N/A
- Annual cash + equity gain
- N/A
Annual cash + equity return
N/A
On your upfront cash
Loan paydown builds ownership; it is separate from spendable cash. Appreciation is not included.
Where the rent goes
Monthly · Year 1Cash flow & equity over time
Chart: monthly cash flow| Year | Monthly cash flow | Cash-on-cash | Equity gained / year | Cash + equity return | Equity at year end | Loan balance |
|---|
Cash + equity return combines that year's cash flow and loan paydown, divided by original upfront cash. Equity at year end includes your down payment and cumulative principal paid.
Understand the assumptions
- Upfront cash
- Net operating income
- per year, before the mortgage and capital expense reserve. Cap rate: .
- Property equity
- at the end of Year 1: purchase price minus the remaining loan balance. Property value is held constant; closing costs and renovation spending are not automatically treated as added property value.
- Growth & timing
- Growth starts in Year 2. Year 5 means months 49–60. Mortgage payments stop at the end of the loan term.
- What's outside this model
- Appreciation, sale proceeds, refinancing, income taxes, depreciation, PMI and purchase-time operating reserves. Add any recurring costs that apply under other expenses.
RENTAL WIRE PLUS
Compare offers, growth and downside.
See how different rent-growth assumptions affect cash flow over time. Test the downside and compare financing before choosing an offer.
- Rent growth over time: compare flat rent and annual increases through Year 30. Every scenario keeps your expense-growth assumption.
- Rent and expense table: see monthly cash flow across 25 combinations at once, including extra vacancy. Losses are highlighted.
- Financing comparison: compare nearby interest rates, mortgage payments and monthly cash flow in one table.
- Saved offer scenarios: keep asking price, negotiated price and different financing as separate versions. Compare up to four by upfront cash, returns and downside cash flow.
See a sample analysis before signing up
Illustrative $150,000 property, $2,000 monthly rent, 25% down and a 7.5% loan over 30 years. Includes management, vacancy, maintenance and reserves. The tables below use this example, not the numbers you have entered.
Open to load the sample.
Rent growth over time
Year-one downside
Interest-rate scenarios
These are chosen scenarios, not forecasts. The financing table uses the original rent and expenses, without the downside changes.
Free: change any assumption and calculate cash flow, returns and equity as often as you like. No account needed. Plus: the tables above, up to 100 saved analyses, comparisons, stress tests and automatic price targets.
$10 USD per month, billed monthly. Cancel in your account at any time; Plus stays active through the paid period. You can still view or delete saved analyses after canceling.
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Your Plus tools are ready.
Compare annual rent growth, downside outcomes and financing below. Save different offers as separate scenarios, then compare them in your account.
Billing is in test mode. No real charges are made.
Rent growth, downside & financing
PLUSCompare annual rent-growth assumptions over time. The controls below also test year-one losses from lower rent, longer vacancies and higher expenses.
Test lower rent and higher costs.
Plus shows a rent-and-expense table, interest-rate scenarios, annual cash shortfall and break-even rent. Saved scenarios and comparisons are included.
$10/month · Cancel anytime
See PlusRent growth over time
Your rent-growth assumption is highlighted. To add another rate, change Annual rent change under Over time. All rows use the same expense-growth assumption.
Year-one downside
All three together / monthN/A
Annual cash shortfallN/A
Break-even rent / month · original inputsN/A
| Scenario | Cash flow / month | Cash flow / year | Monthly change |
|---|
Where cash flow turns negative
Compare rent and expense changes together. Red cells are monthly losses; green cells are positive cash flow. Each includes your extra-vacancy setting.
Compare interest-rate scenarios
Compare modeled interest rates using the same down payment, term, rent and expenses. Enter an actual lender quote in Interest rate to make it the highlighted row.
How downside scenarios are calculated
Year 1, before income tax. Higher expenses include operating costs and capital reserves; the mortgage stays fixed. Extra vacancy is averaged across the year and adds up to the remaining occupied weeks. Break-even rent uses your original assumptions and includes the mortgage and reserves. Annual cash shortfall is the modeled cash-flow loss, not a full emergency-fund estimate.
Purchase price for your cash-flow target
PLUSFind the highest price that meets your monthly goal, using your assumptions and the downside settings in the stress test above.
Find a price that works for your target.
Plus calculates your price limits and upfront cash under both scenarios. Stress tests, saved analyses and comparisons are included for $10/month.
See Plus and exampleYour assumptions
N/ADownside case
N/AHow price targets are calculated
Uses the property numbers you enter. Year 1, before income tax. Includes mortgage payments and reserves. Some all-cash or high-cost assumptions cannot produce a price limit. Percentage down payments and price-based costs change with price; dollar amounts stay fixed. Use 100% down for an all-cash search. A target price is a model result, not a valuation or a guarantee that a seller will accept it.