Estimate cash flow, yield, ROI and long-term equity for a rental property. All calculations run in your browser — no backend, no data leaves your device.
Monthly cash flow
Cash negative-$133.37
-$1,600 / year
Cash-on-cash
-2.56%
Cap rate
4.22%
Gross yield
6.72%
Net yield
4.22%
LTV
80.0%
Initial cash
$62,500
$50,000 down + $12,500 closing
Projected equity at year 10
$175,800
Property $335,979 − loan $160,179
IRR (holding period)
10.09%
Total ROI at sale
171.72%
Total interest paid
$81,783
Over 10-year holding
Property value, rent, expenses, mortgage, cash flow and equity for every year of the holding period.
| Year | Property value | Rent (net) | Expenses | Mortgage | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|---|---|
| 1 | $257,500 | $15,960 | $5,400 | $12,160 | -$1,600 | $196,774 | $60,726 |
| 2 | $265,225 | $16,279 | $5,508 | $12,160 | -$1,389 | $193,399 | $71,826 |
| 3 | $273,182 | $16,605 | $5,618 | $12,160 | -$1,174 | $189,869 | $83,313 |
| 4 | $281,377 | $16,937 | $5,731 | $12,160 | -$954 | $186,177 | $95,200 |
| 5 | $289,819 | $17,276 | $5,845 | $12,160 | -$730 | $182,316 | $107,503 |
| 6 | $298,513 | $17,621 | $5,962 | $12,160 | -$501 | $178,277 | $120,236 |
| 7 | $307,468 | $17,974 | $6,081 | $12,160 | -$268 | $174,053 | $133,416 |
| 8 | $316,693 | $18,333 | $6,203 | $12,160 | -$30 | $169,634 | $147,058 |
| 9 | $326,193 | $18,700 | $6,327 | $12,160 | $212 | $165,013 | $161,181 |
| 10 | $335,979 | $19,074 | $6,453 | $12,160 | $460 | $160,179 | $175,800 |