MultiverseOSPFree tool
Rental property cash flow calculator
Estimate monthly cash flow, cap rate and cash-on-cash return for a long-term rental using your own assumptions. Runs in your browser; nothing is stored or sent.
Monthly cash flow
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- Mortgage payment (principal + interest)
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- Net operating income per year
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- Cap rate
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- Cash-on-cash return
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Informational tool only. Not financial, tax, or legal advice.
Want the full version with your own data? Deal analyzer for long- or short-term rentals, plus bookings, expenses and a monthly P&L.
See the Rental Property & Airbnb Host Spreadsheet, $19How it works
Effective rent = rent x (1 - vacancy). NOI = (effective rent - operating costs - management) x 12. Payment uses the standard amortization formula. Cash flow = NOI/12 - payment. Cap rate = NOI / price. Cash-on-cash = yearly cash flow / (down payment + closing costs).
FAQ
Is the mortgage payment a quote?
No. It is a math estimate from the rate you type, not a loan offer. Lenders add taxes, insurance and fees.
Informational tool only. Not financial, tax, or legal advice.