Rental Property Investment Return Calculator
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Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
Rental Property Investment Return
Use the rental property investment return calculator to compare cap rate, first-year cash-on-cash return and modeled holding-period return including sale costs and loan paydown.
Your scenario estimate
Complete the numbered sections, then select Calculate.
- Initial cash invested
- NOI / purchase price cap rate
- First-year cash-on-cash return
- First-month cash flow
- Net sale proceeds after loan
- Cash distributions + sale proceeds − cash invested
- Modeled exit value
Constant NOI and reserves, no rent growth, tax effects, opportunity cost, refinance, cost-basis tax treatment or future appraisal guarantee. Selling costs reduce exit value. Negative NOI and returns are retained.
Want me to review these numbers?
Send your question and, if you choose, attach these estimates for a personal scenario review.
Educational estimates, not approval, a rate quote or a commitment to lend. Entered rates are hypothetical modeling assumptions, not currently available 210 Mortgage rates. No APR calculation, future-rate forecast or automatic eligibility decision. User-entered fees, ratios and forecasts are assumptions. Results do not establish eligibility, a rate offer or an available credit limit. 210 Mortgage • Tyler Krug NMLS #219381 • Mortgage loans originated through My Community Mortgage, LLC NMLS #2408499 • Equal Housing Lender. See site licensing and disclosures.
How to Use the Rental Property Investment Return Calculator
Step 1: Investment and mortgage
Enter purchase price, starting mortgage, rate/term, cash-paid purchase costs and immediate cash renovation. A starting loan cannot exceed price in this model.
Step 2: Operations and holding period
Enter annual NOI before debt and capital replacements, annual replacement reserves, holding months, assumed annual appreciation and selling-cost percentage. NOI is held constant. The return calculation is cumulative, not IRR or annualized yield.
Calculate, compare and request a review
Choose Calculate to see your estimate. Change one assumption at a time and calculate again. Contact information is optional. Use the review form or Text a Question when you need help verifying the inputs.
How the Calculator Works
Cash invested=price−loan+cash purchase costs+cash renovation. Annual NOI/price gives cap rate. First-year cash-on-cash=(NOI−first12months debt service−annual reserves)/initial cash. Exit value=price×(1+appreciation%)^(months/12). Profit=holding NOI−active debt payments−reserve funding+net sale proceeds−initial cash. Cumulative return=profit/initial cash.
Example calculation
Hypothetical example, not an available loan offer. NOI $24,000 on $400,000 price gives a6% cap rate before financing; this is not cash-on-cash return.
How to interpret your results
Cap rate measures unlevered operating income. Cash-on-cash measures first-year cash outflow versus distributions. Cumulative return includes sale and principal paydown but is not annualized.
Assumptions and factors that change the result
Constant NOI and reserves, no rent growth, tax effects, opportunity cost, refinance, cost-basis tax treatment or future appraisal guarantee. Selling costs reduce exit value. Negative NOI and returns are retained.
Frequently asked questions
Is cumulative return the same as an annualized IRR?
No. The displayed cumulative result compares total modeled proceeds and invested cash. It does not discount dated cash flows or calculate an internal rate of return.
Do these results mean I am approved?
No. The tool calculates the entered scenario. Documentation, property eligibility, program rules and lender review remain separate.
What should I do when an input is uncertain?
Use a documented quote or clearly labeled planning assumption. Change one input at a time, calculate again, and request a review before relying on it.