Salary Calculator from Hourly Rate Uk

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Purchase & Financing

Income & Expenses

Please check your inputs correctly.

Understanding Your Rental Property ROI

Investing in real estate is one of the most reliable ways to build wealth, but not every property is a good deal. This Rental Property Cash Flow & ROI Calculator is designed to help investors analyze the financial viability of a potential rental purchase.

Key Metrics Explained

When evaluating a rental property, experienced investors look beyond just the monthly rent. Here are the critical metrics this calculator provides:

1. Cash Flow

Cash flow is the net amount of money moving in or out of the business after all expenses and debt service are paid. Positive cash flow means the property pays for itself and provides you with income. A negative cash flow implies you must contribute money monthly to keep the property.

2. Cash on Cash Return (CoC)

This is arguably the most important metric for ROI. It measures the annual cash income earned on the property relative to the amount of mortgage paid in the same year. It is calculated as:

Annual Pre-Tax Cash Flow / Total Cash Invested

A “good” CoC return varies by market, but many investors target 8-12% or higher.

3. Net Operating Income (NOI)

NOI calculates the profitability of the property before adding in any costs from financing or taxes. It helps determine the value of the property regardless of the financing structure.

4. Cap Rate (Capitalization Rate)

Cap Rate indicates the rate of return expected to be generated on a real estate investment property. It is calculated by dividing the NOI by the property asset value. It is useful for comparing the profitability of similar properties in the same market.

Estimating Expenses Accurately

One common mistake new investors make is underestimating expenses. Be sure to account for:

• Vacancy: Properties won’t be rented 100% of the time. A 5-8% vacancy rate is a standard conservative estimate.
• Maintenance: Things break. Setting aside 5-10% of monthly rent for repairs ensures you aren’t caught off guard by a broken water heater or leaky roof.
• CapEx (Capital Expenditures): Major replacements like roofs or HVAC systems should be budgeted for separately over the long term.

Use this calculator to tweak your numbers—try adjusting the purchase price or down payment to see how it affects your cash flow and returns.

function calculateROI() {
// 1. Get Inputs
var purchasePrice = parseFloat(document.getElementById(‘purchasePrice’).value) || 0;
var downPaymentPercent = parseFloat(document.getElementById(‘downPaymentPercent’).value) || 0;
var closingCosts = parseFloat(document.getElementById(‘closingCosts’).value) || 0;
var interestRate = parseFloat(document.getElementById(‘interestRate’).value) || 0;
var loanTerm = parseFloat(document.getElementById(‘loanTerm’).value) || 0;
var monthlyRent = parseFloat(document.getElementById(‘monthlyRent’).value) || 0;
var propertyTax = parseFloat(document.getElementById(‘propertyTax’).value) || 0;
var insurance = parseFloat(document.getElementById(‘insurance’).value) || 0;
var maintenancePercent = parseFloat(document.getElementById(‘maintenance’).value) || 0;
var vacancyPercent = parseFloat(document.getElementById(‘vacancy’).value) || 0;
// Validation
if (purchasePrice <= 0 || loanTerm = 0 ? “#27ae60” : “#c0392b”;
var capElement = document.getElementById(‘resultCapRate’);
capElement.innerText = percentFormatter.format(capRate) + “%”;
}
// Initial Calculation on Load
window.onload = function() {
calculateROI();
};