Rental Property Investor Calculator
Check DSCR, cash flow, cash-on-cash return and cap rate, then see how the same deal works as a BRRRR cash-out refinance or a fix & flip. Start with the example numbers below and replace them with your own.
The deal
Purchase, loan and repair numbers. All three analyses use these.
$45,000 down · $180,000 loan
Illustrative — not a rate quote.
$6,750 of purchase price
Used for the BRRRR and flip tabs.
Rent & income
DSCR uses the monthly rent entered here.
Ongoing costs
Taxes, insurance and HOA are part of the payment lenders use for DSCR (PITIA).
Debt service coverage ratio (DSCR)
1.38
Monthly rent ÷ full monthly payment (PITIA)
At or above 1.25 — the common lender benchmark
Rent needed for 1.00
$1,878/mo
Rent needed for 1.25
$2,347/mo
You entered $2,600
Yes, it cash flows
A DSCR of 1.38 is at or above the common 1.25 benchmark, and the property is cash-flow positive after expenses.
Monthly cash flow
$176
$2,113 / year
Cash-on-cash
2.44%
Annual cash flow ÷ cash invested
Cap rate
7.49%
NOI ÷ purchase price
Cash invested
$86,750
Down + closing + repairs
Monthly breakdown
Cash to invest & loan
Get Your Investor Report
A PDF with your DSCR, cash flow, BRRRR and fix & flip numbers, to save, print or share with your partners and lender.
Want help with your numbers?
These estimates are a great starting point. If you'd like, we can look at your actual income, debts, credit and loan options and help you understand what you may qualify for.
Call or Text Scotty: 979-571-9067Scotty Gifford, Licensed Mortgage Loan Originator, NMLS# 2357310. Gifford Home Loans is a marketing brand used for informational and promotional purposes only and is not a separate mortgage lender or financial institution. Mortgage loans are originated and funded through Everett Financial, Inc. dba Supreme Lending, NMLS# 2129. Equal Housing Opportunity Lender.