Rental Property ROI Calculator
Estimate the return on a rental purchase. Enter your financing and operating assumptions to see monthly cash flow, cap rate, cash-on-cash return, and a 10-year projection — updating live as you type.
Your returns
- Monthly cash flow
- -$968
- Cash-on-cash
- -8.4%
- Cap rate
- 3.51%
- Annual NOI
- $17,571
- Monthly P&I
- $2,432
- Cash invested
- $139,000
- 10-yr cash flow
- -$90,435
- Loan amount
- $375,000
Frequently asked questions
What is a good cash-on-cash return on a rental?
Many Central Oregon investors target roughly 6–10% cash-on-cash, though it depends heavily on your down payment, financing rate, and how much cash you put in up front. Cash-on-cash divides your annual pre-tax cash flow by the total cash you invested.
How is cap rate different from cash-on-cash return?
Cap rate is net operating income divided by the purchase price and ignores financing, so it lets you compare properties on equal footing. Cash-on-cash factors in your loan and down payment to show what your actual invested cash earns this year.
Does this ROI calculator include income taxes and depreciation?
No. It models pre-income-tax cash flow and returns. Depreciation, tax brackets, and deductions can meaningfully change your after-tax result, so treat these as planning estimates and confirm with your CPA.
What down payment should I assume for a rental?
Investment-property loans commonly require 20–25% down. The calculator defaults to 25% — adjust it to match your financing, and the cash-invested and cash-on-cash figures update instantly.
Want the numbers for your actual property?
These calculators use your assumptions. For a real estimate grounded in current Central Oregon lease data — Bend, Redmond, Sisters, Prineville, and beyond — request a free, no-obligation rental analysis.
More free tools
- Cap Rate Calculator — Turn rent and operating expenses into NOI and a cap rate to compare properties.
- Rent vs Sell — Compare selling now and reinvesting against renting your property and selling later.