.rpc-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.rpc-col {
flex: 50%;
padding: 0 10px;
box-sizing: border-box;
margin-bottom: 15px;
}
@media (max-width: 600px) {
.rpc-col {
flex: 100%;
}
}
.rpc-label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
}
.rpc-input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rpc-input:focus {
border-color: #0073aa;
outline: none;
}
.rpc-btn {
background-color: #0073aa;
color: white;
padding: 15px 30px;
border: none;
border-radius: 4px;
cursor: pointer;
font-size: 18px;
width: 100%;
font-weight: bold;
transition: background 0.3s;
}
.rpc-btn:hover {
background-color: #005177;
}
.rpc-results {
background-color: #f9f9f9;
padding: 20px;
border-radius: 4px;
margin-top: 20px;
border-left: 5px solid #0073aa;
display: none;
}
.rpc-result-item {
display: flex;
justify-content: space-between;
margin-bottom: 10px;
padding-bottom: 10px;
border-bottom: 1px solid #eee;
}
.rpc-result-item:last-child {
border-bottom: none;
}
.rpc-result-label {
color: #555;
}
.rpc-result-value {
font-weight: bold;
color: #2c3e50;
font-size: 18px;
}
.rpc-error {
color: red;
margin-top: 10px;
display: none;
text-align: center;
}
.rpc-article {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.rpc-article h2 {
color: #2c3e50;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
}
.rpc-article h3 {
color: #0073aa;
margin-top: 25px;
}
.rpc-article ul {
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 8px;
}
function calculateRentalROI() {
// Get Input Values
var price = parseFloat(document.getElementById('rpcPurchasePrice').value);
var downPercent = parseFloat(document.getElementById('rpcDownPayment').value);
var closingCosts = parseFloat(document.getElementById('rpcClosingCosts').value);
var interestRate = parseFloat(document.getElementById('rpcInterestRate').value);
var years = parseFloat(document.getElementById('rpcLoanTerm').value);
var rent = parseFloat(document.getElementById('rpcMonthlyRent').value);
var otherIncome = parseFloat(document.getElementById('rpcOtherIncome').value);
var expenses = parseFloat(document.getElementById('rpcMonthlyExpenses').value);
// Validation
var errorDiv = document.getElementById('rpcError');
var resultDiv = document.getElementById('rpcResults');
if (isNaN(price) || isNaN(downPercent) || isNaN(closingCosts) || isNaN(interestRate) ||
isNaN(years) || isNaN(rent) || isNaN(expenses) || price <= 0) {
errorDiv.style.display = 'block';
resultDiv.style.display = 'none';
return;
}
// Handle optional other income
if (isNaN(otherIncome)) { otherIncome = 0; }
errorDiv.style.display = 'none';
// Calculations
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var totalCashInvested = downPaymentAmount + closingCosts;
// Mortgage Calculation (Monthly)
// M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ]
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = years * 12;
var monthlyMortgage = 0;
if (interestRate === 0) {
monthlyMortgage = loanAmount / numberOfPayments;
} else {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
}
// Income and Expenses
var totalMonthlyIncome = rent + otherIncome;
var noiMonthly = totalMonthlyIncome – expenses;
var noiAnnual = noiMonthly * 12;
var monthlyCashFlow = noiMonthly – monthlyMortgage;
var annualCashFlow = monthlyCashFlow * 12;
// Metrics
var capRate = (noiAnnual / price) * 100;
var cashOnCash = (annualCashFlow / totalCashInvested) * 100;
// Display Results
document.getElementById('resCashFlow').innerHTML = "$" + monthlyCashFlow.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resNOI').innerHTML = "$" + noiAnnual.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resCapRate').innerHTML = capRate.toFixed(2) + "%";
document.getElementById('resCoC').innerHTML = cashOnCash.toFixed(2) + "%";
document.getElementById('resCashInvested').innerHTML = "$" + totalCashInvested.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
resultDiv.style.display = 'block';
}
Rental Property ROI Calculator
Please enter valid positive numbers in all fields.
Monthly Cash Flow:
Net Operating Income (NOI) / Year:
Cap Rate:
Cash on Cash Return:
Total Cash Invested:
How to Analyze a Rental Property Investment
Investing in real estate is one of the most reliable ways to build wealth, but it requires precise calculations to ensure a property will be profitable. This Rental Property ROI Calculator helps investors analyze deals by looking at key performance metrics.
Key Metrics Explained
- Cash Flow: This is the net amount of cash moving in or out of the investment each month. It is calculated by subtracting total expenses (including mortgage) from total income. Positive cash flow is essential for a sustainable investment.
- Net Operating Income (NOI): This represents the profitability of a property before adding in any financing costs or taxes. It is calculated as (Rental Income – Operating Expenses). NOI is crucial for determining the raw potential of the asset.
- Cap Rate (Capitalization Rate): The Cap Rate measures the rate of return on the property based on the income the property is expected to generate. It is calculated as (NOI / Purchase Price) × 100. A higher cap rate generally implies a better return, though often with higher risk.
- Cash on Cash Return: This metric measures the annual return the investor made on the property in relation to the amount of mortgage paid during the same year. It is calculated as (Annual Cash Flow / Total Cash Invested) × 100. It tells you how hard your actual cash deposit is working for you.
Example Calculation
Imagine you purchase a property for $200,000 with a 20% down payment ($40,000) and $5,000 in closing costs. Your total cash invested is $45,000.
If the property rents for $2,000/month and your operating expenses (taxes, insurance, repairs) are $800/month, your NOI is $1,200/month or $14,400/year.
Assuming a mortgage payment of roughly $900/month, your cash flow is $300/month ($3,600/year). Your Cash on Cash return would be ($3,600 / $45,000) = 8%.
Why Use This Calculator?
Experienced investors never rely on guesswork. By inputting your specific loan terms, rental estimates, and expense projections, you can quickly filter out bad deals and focus on properties that meet your financial goals. Use this tool to compare multiple properties and decide which one offers the best return on your capital.