#rental-roi-calculator-wrapper {
background-color: #f9f9f9;
border: 1px solid #e0e0e0;
border-radius: 8px;
padding: 20px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
}
.rr-calc-header {
text-align: center;
margin-bottom: 25px;
}
.rr-calc-header h2 {
color: #2c3e50;
margin-bottom: 10px;
}
.rr-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.rr-grid {
grid-template-columns: 1fr;
}
}
.rr-input-group {
margin-bottom: 15px;
}
.rr-input-group label {
display: block;
font-weight: 600;
margin-bottom: 5px;
font-size: 0.9em;
color: #555;
}
.rr-input-group input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.rr-input-group input:focus {
border-color: #3498db;
outline: none;
box-shadow: 0 0 5px rgba(52,152,219,0.3);
}
.rr-btn-container {
grid-column: 1 / -1;
text-align: center;
margin-top: 10px;
}
.rr-btn {
background-color: #27ae60;
color: white;
border: none;
padding: 12px 30px;
font-size: 18px;
border-radius: 5px;
cursor: pointer;
transition: background-color 0.3s;
font-weight: bold;
}
.rr-btn:hover {
background-color: #219150;
}
#rr-results {
grid-column: 1 / -1;
background-color: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #27ae60;
margin-top: 20px;
display: none;
}
.rr-result-row {
display: flex;
justify-content: space-between;
border-bottom: 1px solid #eee;
padding: 10px 0;
font-size: 1.1em;
}
.rr-result-row:last-child {
border-bottom: none;
font-weight: bold;
color: #2c3e50;
font-size: 1.2em;
}
.rr-result-label {
color: #7f8c8d;
}
.rr-result-value {
font-weight: bold;
color: #333;
}
.rr-highlight {
color: #27ae60;
}
.rr-content-section {
margin-top: 40px;
border-top: 2px solid #eee;
padding-top: 20px;
}
.rr-content-section h3 {
color: #2c3e50;
margin-top: 25px;
}
.rr-content-section p {
margin-bottom: 15px;
color: #444;
}
.rr-content-section ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rr-content-section li {
margin-bottom: 8px;
}
function calculateRentalResults() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('rr-price').value) || 0;
var downPercent = parseFloat(document.getElementById('rr-down').value) || 0;
var rate = parseFloat(document.getElementById('rr-rate').value) || 0;
var termYears = parseFloat(document.getElementById('rr-term').value) || 0;
var closingCosts = parseFloat(document.getElementById('rr-closing').value) || 0;
var rent = parseFloat(document.getElementById('rr-rent').value) || 0;
var taxYearly = parseFloat(document.getElementById('rr-tax').value) || 0;
var insuranceYearly = parseFloat(document.getElementById('rr-insurance').value) || 0;
var hoaMonthly = parseFloat(document.getElementById('rr-hoa').value) || 0;
var vacancyMaintPercent = parseFloat(document.getElementById('rr-vacancy').value) || 0;
// 2. Perform Calculations
// Loan Calculation
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var totalInitialInvestment = downPaymentAmount + closingCosts;
var monthlyRate = (rate / 100) / 12;
var numPayments = termYears * 12;
var monthlyMortgage = 0;
if (rate > 0 && termYears > 0) {
// Mortgage formula: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ]
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
} else if (termYears > 0) {
monthlyMortgage = loanAmount / numPayments;
}
// Expense Calculation
var monthlyTax = taxYearly / 12;
var monthlyIns = insuranceYearly / 12;
var monthlyVacancyMaintCost = rent * (vacancyMaintPercent / 100);
var totalMonthlyExpenses = monthlyMortgage + monthlyTax + monthlyIns + hoaMonthly + monthlyVacancyMaintCost;
var operatingExpensesOnly = monthlyTax + monthlyIns + hoaMonthly + monthlyVacancyMaintCost; // For NOI
// Profit Calculation
var monthlyCashFlow = rent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
// NOI Calculation (Net Operating Income = Revenue – Operating Expenses, excluding debt service)
var annualNOI = (rent * 12) – (operatingExpensesOnly * 12);
// Metrics
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
var cashOnCash = 0;
if (totalInitialInvestment > 0) {
cashOnCash = (annualCashFlow / totalInitialInvestment) * 100;
}
// 3. Update DOM
document.getElementById('res-mortgage').innerHTML = "$" + monthlyMortgage.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res-total-exp').innerHTML = "$" + totalMonthlyExpenses.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res-noi').innerHTML = "$" + annualNOI.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('res-cap').innerHTML = capRate.toFixed(2) + "%";
document.getElementById('res-coc').innerHTML = cashOnCash.toFixed(2) + "%";
var cfElement = document.getElementById('res-cashflow');
cfElement.innerHTML = "$" + monthlyCashFlow.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
// Styling for positive/negative cash flow
if (monthlyCashFlow >= 0) {
cfElement.style.color = "#27ae60";
} else {
cfElement.style.color = "#c0392b";
}
// Show results div
document.getElementById('rr-results').style.display = 'block';
}
Rental Property Cash Flow Calculator
Analyze your real estate investment by calculating Cash on Cash Return, Cap Rate, and Monthly Cash Flow.
Monthly Principal & Interest:
$0.00
Total Monthly Expenses:
$0.00
Net Operating Income (Annual):
$0.00
Cap Rate:
0.00%
Cash on Cash Return:
0.00%
Monthly Cash Flow:
$0.00
Understanding Your Rental Property Analysis
Investing in real estate requires a clear understanding of the numbers. A property might look good on the surface, but expenses can quickly eat into your profits. This Rental Property Cash Flow Calculator helps you determine if a potential investment will generate positive income.
Key Metrics Explained
- Cash Flow: This is the net profit you pocket every month after all expenses (mortgage, taxes, insurance, HOA, and maintenance) are paid. Positive cash flow is essential for a sustainable long-term investment.
- Cap Rate (Capitalization Rate): This metric measures the natural rate of return on the property independent of debt. It is calculated by dividing the Net Operating Income (NOI) by the purchase price. A higher Cap Rate generally indicates a better return, though it may come with higher risk.
- Cash on Cash Return (CoC): Perhaps the most important metric for investors using leverage. It calculates the annual cash return relative to the actual cash you invested (Down Payment + Closing Costs). It tells you how hard your money is working for you.
How to Interpret the Results
If your Cash Flow is negative, the property is a liability, not an asset. You will be paying out of pocket every month to keep it. Most investors look for a "Cash on Cash Return" between 8% and 12%, though this varies by market. Remember to factor in a Vacancy & Maintenance buffer (typically 10-15%) to account for repairs and empty months, ensuring your calculations remain realistic.