Uba Fixed Deposit Interest Rate Calculator

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Rental Property ROI Calculator

Investment Analysis

Monthly Mortgage (P&I): $0.00
Total Monthly Expenses: $0.00
Monthly Cash Flow: $0.00
Annual Cash Flow: $0.00
Total Cash Invested (Down Payment): $0.00
Cash on Cash ROI: 0.00%
Cap Rate: 0.00%

Understanding Rental Property Investment Metrics

Investing in real estate is one of the most reliable ways to build wealth, but it requires precise financial analysis. This Rental Property ROI Calculator is designed to help investors determine the profitability of a potential purchase by analyzing Cash Flow, Cash-on-Cash Return, and Cap Rate.

How to Calculate Rental Cash Flow

Cash flow is the net income generated by a property after all expenses are paid. A positive cash flow indicates that the property is generating profit month-over-month.

The formula used in this calculator is:

  • Total Income: Monthly Rent.
  • Total Expenses: Mortgage Payment (Principal & Interest) + Property Taxes + Insurance + HOA Fees + Maintenance/Vacancy Reserves.
  • Cash Flow = Total Income – Total Expenses.

Expert tip: Always budget for "Phantom Costs" like vacancy and maintenance (typically 5-10% of gross rent) to avoid overestimating your profit.

What is Cash-on-Cash ROI?

Cash-on-Cash Return on Investment (ROI) measures the annual return on the actual cash you invested, rather than the total loan amount. It is calculated as:

(Annual Cash Flow / Total Cash Invested) × 100

For example, if you invest $50,000 as a down payment and the property generates $5,000 in annual profit, your Cash-on-Cash ROI is 10%. This metric is crucial for comparing real estate performance against stocks or bonds.

Cap Rate vs. ROI

While ROI looks at your specific leverage (loan), the Capitalization Rate (Cap Rate) evaluates the property's profitability assuming it was bought with all cash. It helps compare the intrinsic value of different properties regardless of financing.

Cap Rate = (Net Operating Income / Purchase Price) × 100

A higher Cap Rate generally implies a better deal, though it often comes with higher risk in lower-value neighborhoods.

function calculateRentalPropertyROI() { // 1. Get Input Values var price = parseFloat(document.getElementById('purchasePrice').value); var downPercent = parseFloat(document.getElementById('downPayment').value); var rate = parseFloat(document.getElementById('interestRate').value); var years = parseFloat(document.getElementById('loanTerm').value); var rent = parseFloat(document.getElementById('monthlyRent').value); var tax = parseFloat(document.getElementById('propertyTax').value); var insurance = parseFloat(document.getElementById('insurance').value); var hoa = parseFloat(document.getElementById('hoaFees').value); var maintPercent = parseFloat(document.getElementById('maintenance').value); // Validate Inputs if (isNaN(price) || isNaN(rent) || isNaN(rate)) { alert("Please enter valid numbers for Price, Rent, and Interest Rate."); return; } // 2. Perform Calculations // Loan Calculation var downPaymentAmount = price * (downPercent / 100); var loanAmount = price – downPaymentAmount; // Monthly Mortgage Calculation (P&I) // Formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ] var monthlyRate = (rate / 100) / 12; var numPayments = years * 12; var monthlyMortgage = 0; if (rate > 0) { monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1); } else { monthlyMortgage = loanAmount / numPayments; } // Monthly Expenses Calculation var monthlyTax = tax / 12; var monthlyIns = insurance / 12; var monthlyMaint = rent * (maintPercent / 100); var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyIns + hoa + monthlyMaint; // Cash Flow Calculation var monthlyCashFlow = rent – totalMonthlyExpenses; var annualCashFlow = monthlyCashFlow * 12; // ROI Calculation (Cash on Cash) // Avoid division by zero if downpayment is 0 (e.g., VA loan), use closing costs logic or just default to 0/Infinite var cashOnCashROI = 0; if (downPaymentAmount > 0) { cashOnCashROI = (annualCashFlow / downPaymentAmount) * 100; } // Cap Rate Calculation (Net Operating Income / Price) // NOI = (Rent * 12) – (Operating Expenses * 12). NOTE: Mortgage is NOT an operating expense for Cap Rate. var annualOperatingExpenses = (monthlyTax + monthlyIns + hoa + monthlyMaint) * 12; var netOperatingIncome = (rent * 12) – annualOperatingExpenses; var capRate = (netOperatingIncome / price) * 100; // 3. Update UI // Formatter var formatter = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD', }); document.getElementById('resMortgage').innerHTML = formatter.format(monthlyMortgage); document.getElementById('resExpenses').innerHTML = formatter.format(totalMonthlyExpenses); var cfElement = document.getElementById('resCashFlow'); cfElement.innerHTML = formatter.format(monthlyCashFlow); if(monthlyCashFlow >= 0) { cfElement.style.color = "#27ae60"; document.getElementById('cashFlowRow').classList.remove('negative'); } else { cfElement.style.color = "#c0392b"; document.getElementById('cashFlowRow').classList.add('negative'); } document.getElementById('resAnnualCashFlow').innerHTML = formatter.format(annualCashFlow); document.getElementById('resInvested').innerHTML = formatter.format(downPaymentAmount); document.getElementById('resROI').innerHTML = cashOnCashROI.toFixed(2) + "%"; document.getElementById('resCapRate').innerHTML = capRate.toFixed(2) + "%"; // Show Results document.getElementById('rpResults').style.display = 'block'; }

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