Full P&L Analyzer · Free · No Sign-Up
Analyze any rental property
before you make an offer.
Calculate cash flow, cap rate, cash-on-cash return, NOI, and DSCR in seconds. Know if the numbers work before you tour the property.
6 key metrics calculated
Cash flow + cap rate + DSCR
Instant PDF report
Real broker behind it
Property Inputs
Adjust any field — results update live
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Property Analysis
Updates as you type
Monthly Cash Flow
$642
$7,704 / year · Grade A
Cap Rate
6.8%
Cash-on-Cash
9.5%
DSCR
1.28
Gross Rent / yr
$30,000
NOI / yr
$22,100
Total Expenses /mo
$1,858
Equity Down
$81,250
Monthly P&L Breakdown
5-Year Cumulative CF
Cumulative
Strong rental property with positive cash flow and DSCR above 1.25.
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DSCR loans · No tax returns · 35 states
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Understanding Your Numbers
How to read your rental property analysis
This analyzer calculates the six metrics that professional real estate investors use to evaluate every deal: cash flow, cap rate, cash-on-cash return, DSCR, NOI, and GRM. Together they tell you whether a property is worth buying, holding, and financing.
Key metrics explained
- Cash Flow — What's left after every expense including mortgage, taxes, insurance, maintenance, and management. The most important number for buy-and-hold investors.
- Cap Rate — NOI divided by purchase price. Tells you the return if you paid all cash. Use it to compare properties, not to decide whether to buy.
- Cash-on-Cash Return — Annual cash flow divided by money actually invested (down payment + closing costs). This is your real return on equity deployed.
- DSCR — Debt Service Coverage Ratio. What lenders use to qualify the loan. 1.25+ qualifies easily. We fund down to 1.00.
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Common questions answered.
What is a good cap rate for a rental property?
A good cap rate depends heavily on market. In high-cost markets like Miami or NYC, 4–6% is typical. In secondary markets, 7–9%+ is achievable. Cap rate tells you the unleveraged return — always pair it with cash-on-cash to get the full picture.
What cash-on-cash return should I target?
Most experienced investors target 8–12% cash-on-cash. Below 6% and you're better off in index funds. Above 15% usually means higher risk or a below-market purchase price — both worth understanding before closing.
How does this differ from the DSCR calculator?
The DSCR calculator is lender-focused — it tells you if the property qualifies for a loan. The Rental Property Analyzer is investor-focused — it tells you whether the deal is worth buying. Run both on every deal.
Can I analyze a short-term rental?
Yes. Enter the average monthly revenue (not list price) in the rent field, and use a higher vacancy rate (25–35%) to account for seasonal variability. STR income is often 2–3x long-term rent, which dramatically improves DSCR.
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