#rental-calc-container .calc-box {
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
#rental-calc-container .row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
#rental-calc-container .col {
flex: 1;
min-width: 250px;
padding: 0 10px;
margin-bottom: 20px;
}
#rental-calc-container h2 {
margin-top: 0;
color: #2c3e50;
border-bottom: 2px solid #3498db;
padding-bottom: 10px;
margin-bottom: 25px;
font-size: 24px;
}
#rental-calc-container label {
display: block;
margin-bottom: 5px;
font-weight: 600;
font-size: 14px;
color: #555;
}
#rental-calc-container input {
width: 100%;
padding: 10px;
border: 1px solid #ddd;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.3s;
}
#rental-calc-container input:focus {
border-color: #3498db;
outline: none;
}
#rental-calc-container .input-group {
position: relative;
}
#rental-calc-container .suffix {
position: absolute;
right: 10px;
top: 50%;
transform: translateY(-50%);
color: #888;
pointer-events: none;
}
#rental-calc-container button {
background-color: #27ae60;
color: white;
border: none;
padding: 15px 30px;
font-size: 18px;
border-radius: 4px;
cursor: pointer;
width: 100%;
font-weight: bold;
transition: background 0.3s;
margin-top: 10px;
}
#rental-calc-container button:hover {
background-color: #219150;
}
#rental-calc-container .results {
background: #f8f9fa;
border-top: 2px solid #ddd;
padding-top: 20px;
margin-top: 20px;
display: none;
}
#rental-calc-container .result-card {
background: white;
padding: 15px;
border-radius: 6px;
border: 1px solid #eee;
margin-bottom: 10px;
text-align: center;
}
#rental-calc-container .result-value {
font-size: 28px;
font-weight: 800;
color: #2c3e50;
}
#rental-calc-container .result-label {
font-size: 13px;
text-transform: uppercase;
letter-spacing: 1px;
color: #7f8c8d;
margin-bottom: 5px;
}
#rental-calc-container .positive { color: #27ae60; }
#rental-calc-container .negative { color: #c0392b; }
/* Article Styles */
#rental-calc-container .article-content {
line-height: 1.6;
margin-top: 50px;
}
#rental-calc-container .article-content h3 {
color: #2c3e50;
margin-top: 30px;
}
#rental-calc-container .article-content p {
margin-bottom: 15px;
}
#rental-calc-container .article-content ul {
padding-left: 20px;
margin-bottom: 20px;
}
#rental-calc-container .article-content li {
margin-bottom: 8px;
}
function calculateRentalROI() {
// 1. Get Values
var price = parseFloat(document.getElementById('rc_price').value) || 0;
var downPercent = parseFloat(document.getElementById('rc_down').value) || 0;
var closingCosts = parseFloat(document.getElementById('rc_closing').value) || 0;
var interestRate = parseFloat(document.getElementById('rc_rate').value) || 0;
var termYears = parseFloat(document.getElementById('rc_term').value) || 0;
var monthlyRent = parseFloat(document.getElementById('rc_rent').value) || 0;
var otherIncome = parseFloat(document.getElementById('rc_other').value) || 0;
var yearlyTax = parseFloat(document.getElementById('rc_tax').value) || 0;
var yearlyIns = parseFloat(document.getElementById('rc_insurance').value) || 0;
var monthlyHOA = parseFloat(document.getElementById('rc_hoa').value) || 0;
var vacancyRate = parseFloat(document.getElementById('rc_vacancy').value) || 0;
var repairRate = parseFloat(document.getElementById('rc_repairs').value) || 0;
var capexRate = parseFloat(document.getElementById('rc_capex').value) || 0;
var mgmtRate = parseFloat(document.getElementById('rc_management').value) || 0;
// 2. Calculations – Loan
var downPayment = price * (downPercent / 100);
var loanAmount = price – downPayment;
var totalCashInvested = downPayment + closingCosts;
// Mortgage P&I Calculation
var monthlyRate = (interestRate / 100) / 12;
var numPayments = termYears * 12;
var monthlyPI = 0;
if (interestRate > 0) {
monthlyPI = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else {
monthlyPI = loanAmount / numPayments;
}
if (isNaN(monthlyPI) || !isFinite(monthlyPI)) monthlyPI = 0;
// 3. Income & Expenses
var totalMonthlyIncome = monthlyRent + otherIncome;
// Variable Expenses based on Rent
var vacancyCost = totalMonthlyIncome * (vacancyRate / 100);
var repairCost = totalMonthlyIncome * (repairRate / 100);
var capexCost = totalMonthlyIncome * (capexRate / 100);
var mgmtCost = totalMonthlyIncome * (mgmtRate / 100);
// Fixed Monthly Expenses
var monthlyTax = yearlyTax / 12;
var monthlyIns = yearlyIns / 12;
var totalOperatingExpenses = monthlyTax + monthlyIns + monthlyHOA + vacancyCost + repairCost + capexCost + mgmtCost;
var totalExpensesWithLoan = totalOperatingExpenses + monthlyPI;
// 4. Key Metrics
var monthlyCashFlow = totalMonthlyIncome – totalExpensesWithLoan;
var annualCashFlow = monthlyCashFlow * 12;
var noi = (totalMonthlyIncome – totalOperatingExpenses) * 12;
var cashOnCash = 0;
if (totalCashInvested > 0) {
cashOnCash = (annualCashFlow / totalCashInvested) * 100;
}
var capRate = 0;
if (price > 0) {
capRate = (noi / price) * 100;
}
// 5. Display Results
document.getElementById('rc_results').style.display = 'block';
var cfElement = document.getElementById('res_cashflow');
cfElement.innerText = '$' + monthlyCashFlow.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
cfElement.className = 'result-value ' + (monthlyCashFlow >= 0 ? 'positive' : 'negative');
var cocElement = document.getElementById('res_coc');
cocElement.innerText = cashOnCash.toFixed(2) + '%';
cocElement.className = 'result-value ' + (cashOnCash >= 0 ? 'positive' : 'negative');
document.getElementById('res_cap').innerText = capRate.toFixed(2) + '%';
document.getElementById('res_noi').innerText = '$' + (noi/12).toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}) + ' /mo';
document.getElementById('res_mortgage').innerText = '$' + monthlyPI.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res_expenses').innerText = '$' + totalOperatingExpenses.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
}
Rental Property Calculator
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%
Operating Expenses
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Monthly Cash Flow
$0.00
Cash on Cash ROI
0.00%
Cap Rate
0.00%
Net Operating Income (NOI)
$0.00
Breakdown:
Monthly Mortgage (P&I): $0.00
Total Monthly Expenses: $0.00 (includes tax, ins, maintenance, etc.)
Monthly Mortgage (P&I): $0.00
Total Monthly Expenses: $0.00 (includes tax, ins, maintenance, etc.)
Analyzing Your Rental Property Investment
Real estate investing involves more than just finding a tenant; it requires a deep understanding of the numbers. Our Rental Property Cash Flow Calculator helps investors evaluate the profitability of a potential purchase by breaking down income, operating expenses, and financing costs.
Understanding Key Metrics
1. Cash Flow
Cash flow is the profit remaining after all expenses and mortgage payments are paid. Positive cash flow ensures the property pays for itself, while negative cash flow implies you are losing money every month.
Formula: Total Rental Income – Total Expenses – Debt Service = Cash Flow
2. Cash on Cash Return (CoC ROI)
This metric is crucial for understanding the efficiency of your invested capital. Unlike total ROI, Cash on Cash only looks at the actual money you put into the deal (Down Payment + Closing Costs + Rehab costs) versus the annual pre-tax cash flow.
A good Cash on Cash return varies by market, but many investors target 8-12%.
3. Capitalization Rate (Cap Rate)
Cap Rate measures the natural rate of return of the property assuming you paid all cash (no loan). It is calculated by dividing the Net Operating Income (NOI) by the Purchase Price. It helps compare properties without the influence of financing.
Common Expenses Often Overlooked
- Vacancy Rate: Properties are rarely occupied 365 days a year. Budgeting 5-8% allows for turnover time.
- Capital Expenditures (CapEx): Major items like roofs, HVAC systems, and water heaters eventually break. Setting aside 5-10% of rent monthly creates a safety net for these big-ticket items.
- Property Management: Even if you self-manage now, calculating an 8-10% management fee ensures the deal still works if you decide to hire a professional later.
The 1% Rule
A quick rule of thumb used by investors is the "1% Rule," which states that the monthly rent should be at least 1% of the purchase price. While this rule is harder to meet in today's high-appreciation markets, it remains a solid benchmark for cash-flow-focused investors.