Free Real Estate Investment Calculators
Everything you need to analyze a rental property deal — mortgage payments, cap rate, cash flow, DSCR, BRRRR, and a full deal analyzer. All free, all instant.
All Calculators
Each calculator is optimized for a specific analysis. Start with the one that matches your question, or use the Deal Analyzer for a complete picture.
Real Estate Investing Glossary
Key terms every investor should know before analyzing a deal.
Effective gross income minus all operating expenses, before the mortgage payment.
NOI ÷ Property Value. Measures return independent of financing. Higher = more income relative to price.
Annual cash flow ÷ total cash invested. Measures the actual return on your out-of-pocket investment.
NOI ÷ Annual Mortgage Payment. Lenders require ≥1.25x. Below 1.0 means the property can't cover its debt.
Property Value ÷ Annual Gross Rent. A quick screening metric — lower is better. Under 12x is generally favorable.
A strategy to recycle capital by buying distressed properties, renovating them, and pulling equity out via refinance.
How to Analyze a Rental Property
The three metrics that matter most when evaluating any investment property.
Net Operating Income (NOI)
NOI is your effective gross income minus all operating expenses — before the mortgage. A positive NOI means the property covers its own costs. Divide by the purchase price to get the Cap Rate.
Cash-on-Cash Return
CoC measures annual cash flow divided by your total cash invested (down payment + closing costs). A CoC of 6–8%+ is generally considered a solid return for a rental property.
Debt Service Coverage Ratio
DSCR = NOI ÷ Annual Mortgage Payment. Lenders typically require 1.25x or higher. A DSCR below 1.0 means the property doesn't generate enough income to cover the mortgage.