Texas Vehicle Sales Tax Rate Calculator

.roi-calculator-wrapper { max-width: 800px; margin: 0 auto; font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background: #ffffff; padding: 30px; border-radius: 8px; box-shadow: 0 4px 20px rgba(0,0,0,0.08); } .roi-calculator-wrapper h2 { text-align: center; color: #2c3e50; margin-bottom: 25px; } .roi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; } @media (max-width: 768px) { .roi-grid { grid-template-columns: 1fr; } } .roi-input-group { margin-bottom: 15px; } .roi-input-group label { display: block; margin-bottom: 5px; font-weight: 600; color: #4a5568; font-size: 14px; } .roi-input-group input { width: 100%; padding: 10px; border: 1px solid #cbd5e0; border-radius: 4px; font-size: 16px; transition: border-color 0.3s; box-sizing: border-box; } .roi-input-group input:focus { border-color: #3182ce; outline: none; } .roi-section-title { grid-column: 1 / -1; font-size: 18px; font-weight: 700; color: #2d3748; margin-top: 10px; padding-bottom: 5px; border-bottom: 2px solid #e2e8f0; } .roi-btn { grid-column: 1 / -1; background-color: #3182ce; color: white; border: none; padding: 15px; font-size: 18px; font-weight: bold; border-radius: 6px; cursor: pointer; transition: background-color 0.2s; margin-top: 10px; width: 100%; } .roi-btn:hover { background-color: #2c5282; } .roi-results { grid-column: 1 / -1; background-color: #f7fafc; padding: 20px; border-radius: 6px; margin-top: 20px; border: 1px solid #e2e8f0; display: none; } .roi-result-row { display: flex; justify-content: space-between; margin-bottom: 10px; font-size: 16px; color: #4a5568; } .roi-result-row.highlight { font-weight: 700; color: #2d3748; font-size: 18px; border-top: 1px solid #cbd5e0; padding-top: 10px; margin-top: 10px; } .roi-metric-value { font-weight: bold; color: #2b6cb0; } .roi-article-content { max-width: 800px; margin: 40px auto 0; line-height: 1.6; color: #333; } .roi-article-content h3 { color: #2c3e50; margin-top: 30px; } .roi-article-content p { margin-bottom: 15px; } .roi-article-content ul { margin-bottom: 15px; padding-left: 20px; }

Rental Property ROI Calculator

Purchase Information
Loan Details
Monthly Rental Income
Monthly Expenses
Monthly Principal & Interest: $0.00
Total Monthly Expenses: $0.00
Monthly Net Operating Income (NOI): $0.00
Monthly Cash Flow: $0.00
Cash on Cash Return: 0.00%
Cap Rate: 0.00%
function calculateRentalROI() { // 1. Get Inputs var price = parseFloat(document.getElementById('purchasePrice').value) || 0; var down = parseFloat(document.getElementById('downPayment').value) || 0; var closing = parseFloat(document.getElementById('closingCosts').value) || 0; var rehab = parseFloat(document.getElementById('rehabCosts').value) || 0; var interest = parseFloat(document.getElementById('interestRate').value) || 0; var term = parseFloat(document.getElementById('loanTerm').value) || 0; var rent = parseFloat(document.getElementById('monthlyRent').value) || 0; var otherInc = parseFloat(document.getElementById('otherIncome').value) || 0; var taxYear = parseFloat(document.getElementById('propertyTax').value) || 0; var insYear = parseFloat(document.getElementById('insurance').value) || 0; var hoa = parseFloat(document.getElementById('hoaFees').value) || 0; var vacancy = parseFloat(document.getElementById('vacancyRate').value) || 0; var maint = parseFloat(document.getElementById('capexMaintenance').value) || 0; // 2. Initial Investment Calculation var totalCashInvested = down + closing + rehab; var loanAmount = price – down; // 3. Mortgage Calculation var monthlyRate = (interest / 100) / 12; var numberOfPayments = term * 12; var monthlyMortgage = 0; if (loanAmount > 0 && interest > 0) { monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1); } else if (loanAmount > 0 && interest === 0) { monthlyMortgage = loanAmount / numberOfPayments; } // 4. Income Calculations var grossMonthlyIncome = rent + otherInc; var vacancyLoss = grossMonthlyIncome * (vacancy / 100); var effectiveGrossIncome = grossMonthlyIncome – vacancyLoss; // 5. Expense Calculations var maintenanceCost = grossMonthlyIncome * (maint / 100); var monthlyTax = taxYear / 12; var monthlyIns = insYear / 12; var totalOperatingExpenses = monthlyTax + monthlyIns + hoa + maintenanceCost; var totalExpensesIncludingMortgage = totalOperatingExpenses + monthlyMortgage; // 6. Return Metrics var monthlyNOI = effectiveGrossIncome – totalOperatingExpenses; // Net Operating Income var monthlyCashFlow = monthlyNOI – monthlyMortgage; var annualCashFlow = monthlyCashFlow * 12; // Cash on Cash Return = (Annual Cash Flow / Total Cash Invested) var cocReturn = 0; if (totalCashInvested > 0) { cocReturn = (annualCashFlow / totalCashInvested) * 100; } // Cap Rate = (Annual NOI / Purchase Price) var annualNOI = monthlyNOI * 12; var capRate = 0; if (price > 0) { capRate = (annualNOI / price) * 100; } // 7. Update UI document.getElementById('displayMortgage').innerHTML = "$" + monthlyMortgage.toFixed(2); document.getElementById('displayExpenses').innerHTML = "$" + totalExpensesIncludingMortgage.toFixed(2); document.getElementById('displayNOI').innerHTML = "$" + monthlyNOI.toFixed(2); var cashFlowEl = document.getElementById('displayCashFlow'); cashFlowEl.innerHTML = "$" + monthlyCashFlow.toFixed(2); cashFlowEl.style.color = monthlyCashFlow >= 0 ? '#38a169' : '#e53e3e'; var cocEl = document.getElementById('displayCoC'); cocEl.innerHTML = cocReturn.toFixed(2) + "%"; cocEl.style.color = cocReturn >= 0 ? '#38a169' : '#e53e3e'; document.getElementById('displayCapRate').innerHTML = capRate.toFixed(2) + "%"; document.getElementById('resultsArea').style.display = 'block'; }

Understanding Your Rental Property ROI

Investing in real estate is a numbers game. Whether you are analyzing a single-family home or a multi-unit apartment complex, knowing how to calculate your Return on Investment (ROI) is crucial for making profitable decisions. This Rental Property ROI Calculator helps investors determine the viability of a potential deal by analyzing key metrics like Cash on Cash Return and Cap Rate.

Key Metrics Explained

1. Net Operating Income (NOI)

NOI is a fundamental calculation in real estate. It represents the profitability of a property before adding in any financing costs or taxes. The formula is: NOI = Effective Gross Income – Operating Expenses. A positive NOI indicates that the property generates enough income to cover its operating costs.

2. Cash on Cash Return (CoC)

This is arguably the most important metric for investors using leverage (mortgages). It measures the annual cash return on the actual cash you have invested (Down Payment + Closing Costs + Rehab).
Formula: (Annual Cash Flow / Total Cash Invested) x 100.
A CoC return of 8-12% is generally considered a solid benchmark for rental properties, though this varies by market.

3. Cap Rate (Capitalization Rate)

Cap Rate measures the rate of return on an investment property assuming it was paid for fully in cash. It is useful for comparing the relative value of different properties regardless of how they are financed.
Formula: (Annual NOI / Purchase Price) x 100.

How to Use This Calculator

  • Purchase Information: Enter the price, your down payment, and initial costs. Don't forget closing costs and immediate repairs, as these increase your "Cash Invested."
  • Loan Details: Input your mortgage interest rate and term (usually 30 years).
  • Income & Expenses: Be realistic. Include a vacancy rate (typically 5-8%) and maintenance reserves (5-10%) to ensure you aren't overestimating your profit.

By accurately inputting your data, you can see if a property will generate positive cash flow or if it will cost you money every month to hold.

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