Underwrite
Rental property investment calculator
An "investment calculator" should answer pass or pursue - not hide behind an account wall. Enter purchase, income, expenses, and financing; get the same core stack as a deal sheet: NOI, cap rate, cash flow, cash-on-cash. Support intent for "real estate investment calculator" without pretending we model stocks or 1031 paperwork.
Assumptions
Returns stack
- NOI
- —
- Cap rate
- —
- Monthly CF
- —
- Cash-on-cash
- —
- Cash invested
- —
When to use
First underwrite of a buy-and-hold; comparing two rentals with one expense policy; replacing a template spreadsheet you inherited.
When not to
Not for stocks, 1031 exchanges, or pulling comps by address. And not a substitute for a tax pro on depreciation schedules.
Assumptions: Standard buy-and-hold stack: EGI, NOI, cap rate, cash flow, CoC. No AVM, no tax depreciation module, no loan marketplace quotes.
Worked examples
Input
$280k · 25% down Rent $2,100 · 5% vacancy OpEx stack
Output
Check whether CoC clears your hurdle
Same formula family as the hub - this page leans "investment" wording.
Input
Same rents Rate +1%
Output
Cash flow and CoC compress
Rate sensitivity shows up in cash flow, not cap rate.
Common traps
- Not an AVM and not a mortgage marketplace.
- Overlaps the hub rental property calculator on purpose - formulas identical, copy distinct.
- No tax depreciation schedule here.