Cashflow

Calculator

Estimate your potential returns with our interactive tool. Input purchase price, down payment, rental rates, and expenses — it will project your annual cash flow, cap rate, and ROI.

Conventional Financing
Cash Purchase
Private Financing

Conventional Financing Calculator

Real Estate Investment Calculators
INVESTMENT
Investment Capital Needed: $0.00
▼
List Price
$
Down Payment
% $0.00
P = List Price
D% = Down Payment Percent
Down Payment = P × (D% ÷ 100)
Closing Costs
$
P = Loan Amount
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by loan amount:
7% for $0 < P ≤ $75,000
6.5% for $75,001 < P ≤ $87,500
6% for $87,501 < P ≤ $100,000
5.5% for $100,001 < P ≤ $112,500
5% for $112,501 < P ≤ $125,000
4.5% for $125,001 < P ≤ $137,500
4% for $137,501 < P ≤ $250,000
3.5% for $250,001 < P ≤ $300,000
3% for $300,001 < P ≤ $450,000
2.5% for $450,001 < P ≤ $600,000
2% for $600,001 < P ≤ $850,000
1.5% for $850,001 < P ≤ $1,200,000
1.25% for $1,200,001 < P ≤ $1,900,000
1% for $1,900,001 < P ≤ $2,800,000
0.75% for $2,800,001 < P ≤ $4,300,000
0.5% for P > $4,300,001
Investment Capital Needed
$0.00
D = Down Payment
C = Closing Costs
Investment Capital Needed = D + C
DEBT SERVICE
Total Mortgage Payment: $0.00
▼
Loan Amount
70 % $0.00
P = List Price
D% = Down Payment Percent
Loan Amount = P × (100 - D%) ÷ 100
Interest Rate
%
Amortization (years)
years
Mortgage Payment
$0.00
P = Principal (Loan Amount)
i = Interest Rate ÷ 12 ÷ 100
n = Loan Amortization × 12
Monthly Payment = P × (i(1+i)^n) ÷ ((1+i)^n - 1)
Additional Principal Payment
$
Total Mortgage Payment
$0.00
M = Mortgage Payment
A = Additional Principal Payment
Total Mortgage Payment = M + A
FIXED EXPENSES
Total Fixed Expenses: $0.00
▼
Total Mortgage Payment
$0.00
Taxes
% $0.00
Insurance
$
Management Fee
% $0.00
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
$0.00
M = Total Mortgage Payment
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = M + T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
▼
Estimated Vacancy
$0.00
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
$0.00
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
$0.00
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow: $0.00
▼
Cash Flow (in year )
Gross Rent
$
Total Fixed Expenses
$0.00
Estimated Cash Flow(fixed expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - Ef
Total Variable Expenses
$0.00
Estimated Cash Flow(total expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - Ef - Ev
RETURN ON INVESTMENT
Total Projected Profit: $0.00
▼
Annual Appreciation
3 %
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
CNC = Monthly Cash Flow (total expenses) while property is new construction
CM = Monthly Cash Flow (total expenses) while property is mortgaged
CPO = Monthly Cash Flow (total expenses) while property is paid off
MNC = Months Held while the property is new construction
MM = Months Held while the property is mortgaged
MPO = Months Held while the property is paid off
Accumulated Cash Flow = (CNC · MNC) + (CM · MM) + (CPO · MPO)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P · (1 + A% / 100)Y - P
Principal Paydown
$0.00
P = Principal (Loan Amount)
n = Years Held × 12
B = Principal Balance from Mortgage Amortization Schedule in month n
Principal Paydown = P - B
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 × (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
P = Principal Paydown
E = Selling Expenses
Total Projected Profit = C + A + P + E
Annual Cash-on-Cash Return (fixed expenses)
0.00%
CM = Monthly Cash Flow (fixed expenses) while property is mortgaged
CPO = Monthly Cash Flow (fixed expenses) while property is paid off
MM = Months Held while the property is mortgaged
MPO = Months Held while the property is paid off
Cf = Accumulated Cash Flow (fixed expenses) = (CM × MM) + (CPO × MPO)
I = Investment Capital
Y = Years Held
Annual Cash-on-Cash Return (fixed expenses) = 100 × (Cf ÷ I ÷ Y)
Annual Cash-on-Cash Return (total expenses)
0.00%
C = Accumulated Cash Flow
I = Investment Capital
Y = Years Held
Annual Cash-on-Cash Return (total expenses) = 100 × (C ÷ I ÷ Y)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 × (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
M = Annual Total Mortgage Payment
P = List Price
Annual Cap Rate = 100 × ((R - Ef - Ev - M) ÷ P)
TAX BENEFITS
Annual Depreciation: $0.00
▼
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P · 0.8 / 27.5
CASH RESERVES
Cash Reserves: $0.00
▼
Number of Months
Cash Reserves
$0.00
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Mf = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n · (Ef + Ev - Mf - V), 3500)

Cash Purchase Calculator

Cash Purchase Investment Calculator
INVESTMENT
Investment Capital Needed: $0.00
▼
List Price
$
Closing Costs
$
P = List Price
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by list price:
2% for $0 ≤ P ≤ $300,000
1.75% for $300,001 ≤ P ≤ $500,000
1.5% for $500,001 ≤ P ≤ $700,000
1.25% for $700,001 ≤ P ≤ $900,000
1% for $900,001 ≤ P ≤ $1,100,000
0.75% for $1,100,001 ≤ P ≤ $1,600,000
0.5% for P ≥ $1,600,001
Investment Capital Needed
$0.00
P = List Price
C = Closing Costs
Investment Capital Needed = P + C
FIXED EXPENSES
Total Fixed Expenses: $0.00
▼
Taxes
$
Insurance
$
Management Fee
% $0.00
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
$0.00
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
▼
Estimated Vacancy
% $0.00
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
% $0.00
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
$0.00
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow (total expenses): $0.00
▼
Cash Flow (in year )
Gross Rent
Total Fixed Expenses
$0.00
Estimated Cash Flow (fixed expenses)
$0.00
R = Gross Rent
E_f = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - E_f
Total Variable Expenses
$0.00
Estimated Cash Flow (total expenses)
$0.00
R = Gross Rent
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - E_f - E_v
RETURN ON INVESTMENT
Total Projected Profit: $0.00
▼
Annual Appreciation
0.0%
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
C_NC = Monthly Cash Flow (total expenses) while property is new construction
C = Monthly Cash Flow (total expenses) while property is not new construction
M_NC = Months Held while the property is new construction
M = Months Held while property is not new construction
Accumulated Cash Flow = (C_NC * M_NC) + (C * M)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P * (1 + A% / 100)^Y - P
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 * (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
E = Selling Expenses
Total Projected Profit = C + A - E
Annual Cash on Cash Return (fixed expenses)
0.00%
CF_f(mo) = Monthly Cash Flow (fixed expenses)
I = Investment Capital
Annual Cash on Cash (fixed) = 100 · ((12 · CF_f(mo)) ÷ I)
Annual Cash on Cash Return (total expenses)
0.00%
CF_t(mo) = Monthly Cash Flow (total expenses)
I = Investment Capital
Annual Cash on Cash (total) = 100 · ((12 · CF_t(mo)) ÷ I)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 · (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
P = List Price
Annual Cap Rate = (100 / P) * (R - Ef - Ev)
TAX BENEFITS
Annual Depreciation Value: $0.00
▼
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P × 0.8 ÷ 27.5
CASH RESERVES
Cash Reserves: $0.00
▼
Number of Months
Cash Reserves
$0.00
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
M_f = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n × (E_f + E_v - M_f - V), 3500)

Private Financing Calculator

Private Investment Calculator
SELECT LOAN PROGRAM
Selected Program: Program 2
Interest Rate / APR*
Min. Down Payment
Term / Amortization
6.95% / 7.41%
20%
30 Year / 30 Year
Selected
7.95% / 8.57%
30%
10 Year / 30 Year
8.95% / 9.47%
40%
30 Year / 30 Year
INVESTMENT
Investment Capital Needed: $0.00
▼
List Price
$
Down Payment
% $154,800.00
P = List Price
D% = Down Payment Percent
Down Payment = P × (D% ÷ 100)
Closing Costs
$
P = Loan Amount
C% = Closing Costs Percent
Closing Costs = max(P × (C% ÷ 100), 1200)
C% varies by loan amount:
9.5% for $0 ≤ P ≤ $75,000
9% for $75,001 ≤ P ≤ $87,500
8.5% for $87,501 ≤ P ≤ $100,000
8% for $100,001 ≤ P ≤ $112,500
7.5% for $112,501 ≤ P ≤ $125,000
7% for $125,001 ≤ P ≤ $137,500
6.5% for $137,501 ≤ P ≤ $250,000
6% for $250,001 ≤ P ≤ $300,000
5.5% for $300,001 ≤ P ≤ $450,000
5% for $450,001 ≤ P ≤ $600,000
4.5% for $600,001 ≤ P ≤ $850,000
4% for $850,001 ≤ P ≤ $1,200,000
3.75% for $1,200,001 ≤ P ≤ $1,900,000
3.5% for $1,900,001 ≤ P ≤ $2,800,000
3.25% for $2,800,001 ≤ P ≤ $4,300,000
3% for P ≥ $4,300,001
Investment Capital Needed
$175,089.00
D = Down Payment
C = Closing Costs
Investment Capital Needed = D + C
DEBT SERVICE
Total Mortgage Payment: $0.00
▼
Loan Amount
70 % $359,800.00
P = List Price
D% = Down Payment Percent
Loan Amount = P × (100 - D%) ÷ 100
Interest Rate
%
Amortization (years)
Term (years)
Mortgage Payment
($2,627.55)
P = Principal (Loan Amount)
i = Interest Rate ÷ 12 ÷ 100
n = Loan Amortization × 12
Monthly Mortgage Payment = P × (i × (1+i)^n) ÷ ((1+i)^n - 1)
Additional Principal Payment
$
Total Mortgage Payment
($2,627.55)
M = Mortgage Payment
A = Additional Principal Payment
Total Mortgage Payment = M + A
FIXED EXPENSES
Total Fixed Expenses: $0.00
▼
Total Mortgage Payment
($2,627.55)
Taxes
% $0.00
Insurance
$
Management Fee
% ($165.19)
R = Gross Rent
V = Vacancy
M% = Management Fee Percent
Monthly Management Fee = (R - V) × M% ÷ 100
Total Fixed Expenses
($3,045.41)
M = Total Mortgage Payment
T = Taxes
I = Insurance
Mf = Management Fee
Total Fixed Expenses = M + T + I + Mf
VARIABLE EXPENSES
Total Variable Expenses: $0.00
▼
Estimated Vacancy
% ($159.60)
R = Gross Rent
V% = Vacancy Percent
Estimated Vacancy = R × (V% ÷ 100)
Estimated Maintenance
% ($159.60)
R = Gross Rent
M% = Maintenance Percent
Estimated Maintenance = R × (M% ÷ 100)
Utilities
$
HOA Fee
$
Total Variable Expenses
($374.62)
V = Estimated Vacancy
M = Estimated Maintenance
U = Utilities
H = HOA Fee
Total Variable Expenses = V + M + U + H
CASH FLOW
Estimated Cash Flow (total expenses): $0.00
▼
Cash Flow (in year )
Gross Rent
$
Total Fixed Expenses
$0.00
Estimated Cash Flow (fixed expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Estimated Cash Flow (fixed expenses) = R - Ef
Total Variable Expenses
$0.00
Estimated Cash Flow (total expenses)
$0.00
R = Gross Rent
Ef = Total Fixed Expenses
Ev = Total Variable Expenses
Estimated Cash Flow (total expenses) = R - Ef - Ev
RETURN ON INVESTMENT
Total Projected Profit: $0.00
▼
Annual Appreciation
3 %
This number is based on average market trends.
Years Held
Accumulated Cash Flow
$0.00
C_NC = Monthly Cash Flow (total expenses) while property is new construction
C_M = Monthly Cash Flow (total expenses) while property is mortgaged
C_PO = Monthly Cash Flow (total expenses) while property is paid off
M_NC = Months Held while the property is new construction
M_M = Months Held while the property is mortgaged
M_PO = Months Held while the property is paid off
Accumulated Cash Flow = (C_NC · M_NC) + (C_M · M_M) + (C_PO · M_PO)
Appreciation
$0.00
P = List Price
A% = Annual Appreciation
Y = Years Held
Appreciation = P * (1 + A% / 100)^Y - P
Principal Paydown
$0.00
L = Loan Amount
i = Interest Rate ÷ 12 ÷ 100
n = Total Payments (Years Held × 12)
M = Monthly Payment
Principal Paydown = L - Remaining Balance after n payments
Selling Expenses
$0.00
P = List Price
A = Appreciation
Selling Expenses = 0.075 * (P + A)
Total Projected Profit
$0.00
C = Accumulated Cash Flow
A = Appreciation
PP = Principal Paydown
E = Selling Expenses
Total Projected Profit = C + A + PP - E
Annual Cash on Cash Return (fixed expenses)
0.00%
CF_f(mo) = Monthly Cash Flow (fixed expenses)
I = Investment Capital
Annual Cash on Cash (fixed) = 100 · ((12 · CF_f(mo)) ÷ I)
Annual Cash on Cash Return (total expenses)
0.00%
CF_t(mo) = Monthly Cash Flow (total expenses)
I = Investment Capital
Annual Cash on Cash (total) = 100 · ((12 · CF_t(mo)) ÷ I)
Annual Return on Investment
0.00%
P = Total Projected Profit
I = Investment Capital
Y = Years Held
Annual Return on Investment = 100 · (P ÷ I ÷ Y)
Annual Cap Rate
0.00%
R = Annual Gross Rent
Ef = Annual Fixed Expenses
Ev = Annual Variable Expenses
M = Annual Total Mortgage Payment
P = List Price
Annual Cap Rate = (100 / P) * (R - Ef - Ev + M)
TAX BENEFITS
Annual Depreciation Value: $0.00
▼
Annual Depreciation
$0.00
P = List Price
Annual Depreciation = P × 0.8 ÷ 27.5
CASH RESERVES
Cash Reserves: $0.00
▼
Number of Months
Cash Reserves
$0.00
E_f = Total Fixed Expenses
E_v = Total Variable Expenses
M_f = Management Fee
V = Vacancy
n = Number of Months
Cash Reserves = max(n × (E_f + E_v - M_f - V), 3500)