Investment Property Analyzer

Best for: Investor

Analyze DSCR, cash flow, cap rate, and cash-on-cash return in one combined tool for rental properties.

What does this calculator do?

This calculator combines four key investment metrics — DSCR (Debt Service Coverage Ratio), monthly and annual cash flow, cap rate, and cash-on-cash return — into one analysis for rental property investments.

Who should use it?

Real estate investors evaluating whether a rental property will generate positive cash flow and meet lending requirements.

What numbers do I need?

Purchase price, down payment, loan amount, interest rate, loan term, monthly rent, vacancy percentage, annual taxes, annual insurance, monthly HOA, monthly repairs, monthly utilities, property management percentage, closing costs, and renovation costs.

What should I watch out for?

Vacancy assumptions are often too low. Repairs and maintenance can spike. Property management costs are real even if self-managed. DSCR below 1.25 may not qualify for investor loans. Always stress-test your assumptions.

Purchase Price

Down Payment

Loan Amount (leave blank to auto-calc)

Interest Rate

Loan Term

years

Monthly Rent

Vacancy Rate

Annual Taxes

Annual Insurance

Monthly HOA

Monthly Repairs

Monthly Utilities

Property Management

Closing Costs

Renovation Costs

How It Works

1Enter purchase price, down payment, and loan details to calculate monthly debt service.
2Input monthly rent and vacancy percentage to calculate effective rental income.
3Add all operating expenses: taxes, insurance, HOA, repairs, utilities, and management fees.
4The calculator computes monthly NOI, cash flow, DSCR, cap rate, and cash-on-cash return.
5DSCR risk levels are assigned: 1.25+ Strong, 1.10-1.24 Workable, 1.00-1.09 Tight, below 1.00 Needs Review.

Who This Calculator Is For

This calculator is for real estate investors who want to evaluate a rental property through both cash flow and lending lenses. It combines the four most important metrics — DSCR, cash flow, cap rate, and cash-on-cash return — into one view.

Frequently Asked Questions

What is a good DSCR for an investment property?

A DSCR of 1.25 or higher is considered Strong. 1.10-1.24 is Workable. 1.00-1.09 is Tight. Below 1.00 means the property does not generate enough income to cover debt service and Needs Review.

What is cash-on-cash return?

Cash-on-cash return is the annual cash flow divided by total cash invested (down payment + closing costs + renovations), expressed as a percentage. It measures the return on your actual cash invested.

What is cap rate?

Cap rate (capitalization rate) is the annual Net Operating Income (NOI) divided by the purchase price, expressed as a percentage. It measures the property return before financing costs.

What is DSCR?

DSCR (Debt Service Coverage Ratio) is the monthly Net Operating Income divided by monthly debt service. Lenders typically require 1.25 or higher for investment property loans.

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Calculator results are estimates for educational and informational purposes only. They are not financial, legal, tax, or lending advice and do not represent a loan approval or commitment to lend. Actual terms vary based on lender, borrower profile, documentation, market conditions, and underwriting.