Break-even monthly rent
$5,641Rent required for $0 cash flow after operating costs, financing and reserves.
$1,141/month difference from the entered rent.
Work through the assumptions
Investment property analyzer
Illustrative starting values, not current market data. Calculations run in your browser; your financial assumptions are not sent or saved. No sign-up required.
Projected monthly cash flow-$997View full results
What the scenario means
The entered assumptions require an investor contribution of approximately $997 each month after operating costs, debt service and reserves. This is a calculation, not a recommendation to buy.
Rent sensitivity
Only rent changes. These are scenarios, not market rent estimates. Negative rents are floored at zero. Scroll the table on smaller screens.
| Monthly rent | Annual gross | Effective annual income | Annual NOI | Monthly cash flow | Annual cash flow | Cap rate | Cash-on-cash |
|---|---|---|---|---|---|---|---|
| $3,500 | $42,000 | $39,900 | $22,608 | -$1,871 | -$22,457 | 3.01% | -11.09% |
| $4,000 | $48,000 | $45,600 | $27,852 | -$1,434 | -$17,213 | 3.71% | -8.50% |
| $4,500Entered rent | $54,000 | $51,300 | $33,096 | -$997 | -$11,969 | 4.41% | -5.91% |
| $5,000 | $60,000 | $57,000 | $38,340 | -$560 | -$6,725 | 5.11% | -3.32% |
| $5,500 | $66,000 | $62,700 | $43,584 | -$123 | -$1,481 | 5.81% | -0.73% |
Break-even & rent targets
Target monthly cash flow
Required monthly rent
$6,213$1,713/month difference from the entered rent.
Target cash-on-cash return
Required monthly rent
$6,607$2,107/month difference from the entered rent.
Targets are mathematical conditions, not achievable-rent forecasts. At 100% vacancy or management, no unique rent solution exists. Return targets require positive cash invested.
Long-term perspective
Keep current cash flow separate from potential appreciation and principal reduction. A growth assumption does not resolve weak operating performance.
Understand the numbers
- NOI
- Net operating income is effective rental income minus operating expenses, before financing, capital reserves, income taxes and depreciation.
- Cap rate
- Annual NOI divided by purchase price. This operating yield does not include financing.
- Cash-on-cash return
- Annual cash flow after debt and reserves divided by the cash down payment, closing costs and immediate improvements.
- Vacancy
- The percentage of potential rental income not collected in this model. Management fees apply to income remaining after vacancy.
- Reserves
- A monthly allowance set aside for future capital work, separate from routine maintenance. Actual costs can exceed this allowance.
- Break-even rent
- Monthly rent that covers modeled operating expenses, financing and reserves, after vacancy and management.
- Model limits
- Fixed-rate fully amortizing debt; no tax or depreciation modeling. Enter mortgage insurance and other recurring costs explicitly. Unentered costs and initial reserves are excluded.
Educational scenario planning only. Results are estimates from your assumptions, not guarantees of returns, rent growth, appreciation, financing or future value. Consult qualified financial, tax, legal, insurance and lending professionals about your situation.
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