Rental Property Cash Flow Calculator
Enter your numbers and get instant cash flow + monthly expense breakdown.
Inputs
Results
Net Monthly Cash Flow
$0
Total Monthly Expenses
$0
Monthly Mortgage Payment$0
Monthly Property Tax$0
Monthly Insurance$0
Property Management$0
Maintenance Reserve$0
Vacancy Reserve$0
Assumes a fixed-rate mortgage. This is an estimate—verify numbers with your lender and local quotes.
GILROY INVESTMENT CALCULATOR
How to Use This Cash Flow Calculator
This calculator estimates monthly cash flow and breaks down expenses so you can pressure test a rental deal fast. It is designed for conservative underwriting.
1
Enter purchase and loan terms
Set purchase price, down payment, interest rate, and loan term to model your mortgage payment.
2
Add income and core costs
Enter monthly rent, yearly taxes, and yearly insurance to build the baseline expense stack.
3
Set reserves and management
Adjust management, maintenance, and vacancy to match your strategy and risk tolerance.
4
Interpret results correctly
Use net monthly cash flow as your quick verdict, then verify inputs with real quotes and local comps.
Best practice
If the deal only works with low vacancy and low repairs, it is fragile. Increase reserves until the numbers feel honest.
What This Tool Calculates
Each line item is meant to mirror the real monthly drains that kill cash flow. Use this as a screening tool before deeper underwriting.
Mortgage
Fixed payment estimate based on your loan terms.
Taxes and insurance
Converted from yearly inputs into monthly costs.
Management
Modeled as a percent of rent for simplicity.
Maintenance reserve
A buffer for repairs that show up later.
Vacancy reserve
A buffer for turnover and leasing gaps.
Net cash flow
Rent minus total monthly expenses and reserves.
Use for
Quick screening, conservative underwriting, comparing deals
Not for
Final loan quotes, legal advice, property condition assessment
Frequently Asked Questions
Short answers to the questions that matter when you are underwriting rentals in the real world.
What numbers should I verify first
Verify rent realism and repair reality first. After that, confirm taxes, insurance, and any HOA costs. Bad assumptions here distort everything.
What is a healthy vacancy and maintenance reserve
Many investors start with 5 percent vacancy and 5 percent maintenance, then adjust based on property age and tenant turnover. Older homes usually need more.
Why does management matter if I self manage
Self managing has a cost even if you do not write a check. Keeping a management line helps you compare deals honestly and plan for scaling later.
Should I use the highest rent I can find online
No. Use a realistic rent based on the closest comps that match condition, parking, layout, and utilities. If the deal needs top of market rent to work, it is risky.
What does negative cash flow mean
It means the property does not pay for itself under your assumptions. Some investors accept that for appreciation plays, but it increases stress and reduces flexibility.
This is an estimate tool. Verify taxes, insurance, rent comps, and lender terms before making decisions.
