.rpc-header {
text-align: center;
margin-bottom: 30px;
}
.rpc-header h2 {
color: #2d3748;
margin: 0 0 10px 0;
font-size: 28px;
}
.rpc-header p {
color: #718096;
margin: 0;
font-size: 16px;
}
.rpc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
margin-bottom: 25px;
}
@media (max-width: 768px) {
.rpc-grid {
grid-template-columns: 1fr;
}
}
.rpc-input-group {
display: flex;
flex-direction: column;
}
.rpc-input-group label {
font-size: 14px;
font-weight: 600;
color: #4a5568;
margin-bottom: 8px;
}
.rpc-input-group input, .rpc-input-group select {
padding: 10px 12px;
border: 1px solid #cbd5e0;
border-radius: 6px;
font-size: 16px;
transition: border-color 0.2s;
}
.rpc-input-group input:focus {
outline: none;
border-color: #4299e1;
box-shadow: 0 0 0 3px rgba(66, 153, 225, 0.2);
}
.rpc-section-title {
grid-column: 1 / -1;
font-size: 18px;
font-weight: 700;
color: #2d3748;
border-bottom: 2px solid #edf2f7;
padding-bottom: 10px;
margin-top: 10px;
margin-bottom: 5px;
}
.rpc-button {
display: block;
width: 100%;
background-color: #48bb78;
color: white;
border: none;
padding: 15px;
font-size: 18px;
font-weight: bold;
border-radius: 6px;
cursor: pointer;
transition: background-color 0.2s;
margin-bottom: 30px;
}
.rpc-button:hover {
background-color: #38a169;
}
.rpc-results {
background-color: #f7fafc;
border: 1px solid #e2e8f0;
border-radius: 8px;
padding: 25px;
display: none;
}
.rpc-result-row {
display: flex;
justify-content: space-between;
align-items: center;
padding: 12px 0;
border-bottom: 1px solid #edf2f7;
}
.rpc-result-row:last-child {
border-bottom: none;
}
.rpc-result-label {
color: #4a5568;
font-weight: 500;
}
.rpc-result-value {
font-weight: 700;
font-size: 18px;
color: #2d3748;
}
.rpc-highlight {
color: #48bb78;
font-size: 22px;
}
.rpc-highlight-negative {
color: #e53e3e;
font-size: 22px;
}
.rpc-article {
margin-top: 40px;
border-top: 1px solid #e2e8f0;
padding-top: 30px;
color: #2d3748;
line-height: 1.6;
}
.rpc-article h3 {
font-size: 22px;
margin-bottom: 15px;
color: #1a202c;
}
.rpc-article p {
margin-bottom: 15px;
font-size: 16px;
}
.rpc-article ul {
margin-bottom: 15px;
padding-left: 20px;
}
.rpc-article li {
margin-bottom: 8px;
}
function calculateRentalMetrics() {
// 1. Get Input Values
var price = parseFloat(document.getElementById('purchasePrice').value) || 0;
var closingCosts = parseFloat(document.getElementById('closingCosts').value) || 0;
var downPercent = parseFloat(document.getElementById('downPaymentPercent').value) || 0;
var interestRate = parseFloat(document.getElementById('interestRate').value) || 0;
var loanTermYears = parseFloat(document.getElementById('loanTerm').value) || 30;
var monthlyRent = parseFloat(document.getElementById('monthlyRent').value) || 0;
var vacancyRate = parseFloat(document.getElementById('vacancyRate').value) || 0;
var annualTaxes = parseFloat(document.getElementById('annualTaxes').value) || 0;
var annualInsurance = parseFloat(document.getElementById('annualInsurance').value) || 0;
var monthlyHOA = parseFloat(document.getElementById('monthlyHOA').value) || 0;
var maintenancePercent = parseFloat(document.getElementById('maintenancePercent').value) || 0;
// 2. Calculate Loan Details
var downPaymentAmount = price * (downPercent / 100);
var loanAmount = price – downPaymentAmount;
var cashToClose = downPaymentAmount + closingCosts;
// Mortgage P&I Calculation
var monthlyRate = (interestRate / 100) / 12;
var numberOfPayments = loanTermYears * 12;
var monthlyMortgage = 0;
if (interestRate > 0) {
monthlyMortgage = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) – 1);
} else {
monthlyMortgage = loanAmount / numberOfPayments;
}
// 3. Calculate Monthly Expenses
var monthlyVacancyCost = monthlyRent * (vacancyRate / 100);
var monthlyMaintenanceCost = monthlyRent * (maintenancePercent / 100);
var monthlyTaxes = annualTaxes / 12;
var monthlyInsurance = annualInsurance / 12;
// Total Expenses = P&I + Taxes + Insurance + HOA + Vacancy + Maintenance
var totalMonthlyExpenses = monthlyMortgage + monthlyTaxes + monthlyInsurance + monthlyHOA + monthlyVacancyCost + monthlyMaintenanceCost;
// Operating Expenses (for NOI) excludes Mortgage P&I
var operatingExpenses = monthlyTaxes + monthlyInsurance + monthlyHOA + monthlyVacancyCost + monthlyMaintenanceCost;
// 4. Calculate Key Metrics
var monthlyCashFlow = monthlyRent – totalMonthlyExpenses;
var annualCashFlow = monthlyCashFlow * 12;
var monthlyNOI = monthlyRent – operatingExpenses;
var annualNOI = monthlyNOI * 12;
// Cash on Cash Return = (Annual Cash Flow / Total Cash Invested) * 100
var cocReturn = 0;
if (cashToClose > 0) {
cocReturn = (annualCashFlow / cashToClose) * 100;
}
// Cap Rate = (Annual NOI / Purchase Price) * 100
var capRate = 0;
if (price > 0) {
capRate = (annualNOI / price) * 100;
}
// 5. Update UI
// Format Currency Helper
var fmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
document.getElementById('displayCashFlow').innerText = fmt.format(monthlyCashFlow);
document.getElementById('displayCocReturn').innerText = cocReturn.toFixed(2) + "%";
document.getElementById('displayCapRate').innerText = capRate.toFixed(2) + "%";
document.getElementById('displayCashToClose').innerText = fmt.format(cashToClose);
document.getElementById('displayMortgage').innerText = fmt.format(monthlyMortgage);
document.getElementById('displayTotalExpenses').innerText = fmt.format(totalMonthlyExpenses);
document.getElementById('displayNOI').innerText = fmt.format(annualNOI);
// Conditional Styling for Cash Flow
var cashFlowElement = document.getElementById('displayCashFlow');
if (monthlyCashFlow >= 0) {
cashFlowElement.className = "rpc-result-value rpc-highlight";
} else {
cashFlowElement.className = "rpc-result-value rpc-highlight-negative";
}
// Show results
document.getElementById('rpcResultContainer').style.display = 'block';
}
Rental Property Calculator
Analyze Cash Flow, Cap Rate, and Cash-on-Cash Return
Purchase Information
Loan Details
30 Years
15 Years
10 Years
Rental Income & Expenses
Financial Performance
Monthly Net Cash Flow
$0.00
Cash-on-Cash Return
0.00%
Cap Rate
0.00%
Total Cash Needed to Close
$0.00
Monthly Mortgage Payment (P&I)
$0.00
Total Monthly Expenses
$0.00
NOI (Net Operating Income) / Year
$0.00
Understanding Rental Property Investment Analysis
Evaluating a rental property involves more than just comparing the rent to the mortgage. A comprehensive analysis looks at cash flow, capitalization rate (Cap Rate), and Cash-on-Cash (CoC) Return to determine the true profitability of an investment.
Key Metrics Explained:
1. Monthly Cash Flow:
This is the net profit you pocket every month. It is calculated by subtracting your Total Monthly Expenses (Mortgage, Taxes, Insurance, HOA, Maintenance, and Vacancy allowance) from your Gross Monthly Rent. Positive cash flow ensures the property pays for itself and generates income.
2. Cash-on-Cash (CoC) Return:
This metric measures the annual return on the actual cash you invested, rather than the total loan amount.
Formula: (Annual Net Cash Flow / Total Cash Invested) × 100.
Total Cash Invested typically includes your down payment and closing costs. A CoC return of 8-12% is often considered a solid benchmark for residential real estate.
3. Cap Rate (Capitalization Rate):
Cap Rate measures the property's natural rate of return assuming it was bought with cash (no loan). It helps compare the profitability of different properties regardless of financing.
Formula: (Net Operating Income / Purchase Price) × 100.
How to Use This Calculator
- Vacancy Rate: Always account for periods where the unit is empty. 5-8% is a standard industry average (approx. 2-3 weeks per year).
- Maintenance: Set aside 5-10% of monthly rent for repairs. Even if you don't spend it this month, you will need it when the water heater breaks or the roof needs patching.
- Cash to Close: This is the money you need upfront. It includes your Down Payment plus Closing Costs (title fees, inspections, origination fees).
By inputting realistic numbers for expenses and vacancy, this calculator provides a clear picture of whether a property is a "deal" or a money pit.