Rental Property ROI Calculator
Calculate cash flow, cap rate, and cash-on-cash return for a rental property investment.
Inputs
Property tax, insurance, maintenance, vacancy, management
Monthly cash flow
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Cap rate
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Cash-on-cash return
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Annual NOI
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Gross rental yield
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About Rental Property ROI Calculator
Cap rate benchmarks
4-5% is typical in expensive markets (SF, NYC, Seattle); 6-8% in mid-market cities; 9%+ in cheaper / higher-risk markets. Higher cap rate = lower price relative to income.
1% rule
A classic test: monthly rent should be at least 1% of purchase price. $300k home → $3k/month rent. Most coastal US markets fail the 1% rule; many Midwest/South markets pass it.
Hidden costs
Vacancy (5-8%), repairs/maintenance (1% of value/year), capital expenditures (1% of value/year), property management (8-10% of rent). Bake these into "expenses" to avoid surprises.