📊 Investment Property ROI Calculator
Analyze any rental property to see if the numbers work. Calculate cap rate, cash flow, and returns instantly.
🏠
Purchase Details
$
$
$
$
🏦
Financing
$
%
yrs
$
💰
Rental Income
$
$
📋
Operating Expenses
$
$
$
$
5%
5%
5%
0%
Investment Analysis
Based on your inputs
Monthly Cash Flow
$285
$3,420/year
Cap Rate
5.8%
Cash on Cash
5.0%
Annual NOI
$12,240
Total Investment
$68,540
1% Rule
0.57% ⚠️
DSCR
1.07 ✓
Deal Quality
Marginal
Monthly Breakdown
Gross Rent
+$1,700
Other Income
+$0
Vacancy
-$85
Operating Expenses
-$780
Mortgage (P&I)
-$1,586
Net Cash Flow
$285
Understanding Your Investment Metrics
Cap Rate (Capitalization Rate)
Cap Rate = (NOI / Purchase Price) × 100
Measures the property's return without considering financing. Higher cap rates mean higher returns but often higher risk.
York County Average: 5-7% for LTR
Cash-on-Cash Return
CoC = (Annual Cash Flow / Total Cash Invested) × 100
The actual return on the money you put in. This is your true ROI as an investor using leverage.
Target: 8%+ for good deals
1% Rule
Monthly Rent / Purchase Price ≥ 1%
A quick screening tool. If rent is at least 1% of purchase price, the property may cash flow. Note: Harder to hit in 2026 markets.
York County: 0.5-0.7% typical
DSCR (Debt Service Coverage Ratio)
DSCR = NOI / Annual Debt Service
Measures ability to cover mortgage payments. Lenders typically require 1.25+ for DSCR loans.
Minimum: 1.0 (breakeven), Target: 1.25+
Need Help Analyzing a Deal?
I'll provide a comprehensive investment analysis on any property you're considering—including LTR, MTR, and STR projections.
📅 Free Investor Consultation