Does this rental actually cash flow?
Estimate income, operating expenses, NOI, monthly and annual cash flow, cash-on-cash return, and break-even occupancy — with a built-in downside scenario and an adjustable what-if panel. Operating costs and financing are kept clearly separate.
Your cash-flow estimate appears here.
Enter a purchase price and monthly rent, then calculate.
Operating expenses vs. financing — kept separate
Net operating income (NOI) reflects the property's operations: effective income minus taxes, insurance, HOA, management, maintenance, utilities, and other operating costs. It deliberately excludes your loan payment and the capital-expenditure reserve. Cash flow then subtracts the debt service and the CapEx reserve from NOI, so you can see both the asset's economics and your out-of-pocket reality.
Where it routes you next
If financing is the question, check the DSCR Calculator. If reserves or liquidity are thin, personal financial-readiness tools live at NorthReserve. Ready to shop for the property or a professional? Kawsah.
Frequently asked questions
What is cash-on-cash return?
Annual pre-tax cash flow divided by the cash you invested (down payment, closing costs, and initial repairs). It expresses your yearly cash return relative to cash in the deal.
How is break-even occupancy calculated?
The share of scheduled income you must collect to cover operating expenses, debt service, and the CapEx reserve. Lower is safer.
Are these results a lender decision?
No. They are educational estimates based on your assumptions and do not reflect any lender's underwriting.