Rental Property Cash Flow Calculator

The Rental Property Cash Flow Calculator estimates rental cash flow by comparing rental income with vacancy, mortgage, operating expenses, taxes, insurance, and management costs entered in the form.

$\text{Cash flow}=\text{Effective rental income}-\text{Operating costs}-\text{Debt service}$

Example

If monthly rent is $2,000 and total monthly costs are$1,650, modeled monthly cash flow is $350 before any unentered costs.

Questions

Does appreciation count as cash flow?

No. Appreciation is an asset-value assumption, not monthly operating cash.

Should vacancy be included?

Yes, when the form exposes a vacancy assumption. Use a realistic long-run estimate rather than assuming full occupancy.

Is positive cash flow guaranteed?

No. Repairs, vacancy, rates, taxes, and insurance can change the result.

Limitations

This is a scenario estimate and does not replace a property-level budget, tax analysis, or lender assessment.