All calculators
Free · No signup
Long-Term Rental Property Calculator
Cap rate, cash-on-cash return, monthly cash flow, DSCR, and the 1% rule for any traditional buy-and-hold rental.
Purchase
Financing
Monthly rent & expenses
Assumptions (% of rent)
Cap rate
7.0%
Cash-on-cash
3.2%
Monthly cash flow
$163
Yearly cash flow
$1,957
Downpayment$50,000
Loan amount$150,000
Closing costs$6,000
Total capital in$61,000
Monthly P&I-$998
Monthly operating expenses$739
Monthly NOI$1,161
Annual NOI$13,932
DSCR1.16
1% rule Fail
Positive cash flow Pass
DSCR ≥ 1.25 Fail
Want this on every new listing?
Property Hunter runs this exact underwriting on live US listings every day and only surfaces the ones that pass your criteria. Free 14-day Pro trial.
Start free trialWhat the numbers mean
Cap rate is annual NOI divided by purchase price — the unlevered yield.
Cash-on-cash return is annual pre-tax cash flow divided by total cash invested.
DSCR is annual NOI ÷ annual debt service. Most rental lenders want 1.20–1.25 minimum.
1% rule — monthly rent should be ≥ 1% of purchase price. A quick sanity check.