REAL ESTATE INVESTING
Will this rental cover its costs?
See rent, the full monthly costs and cash left over. Include vacancy and a repair budget.
Illustrative example, not a quote. Change the numbers to explore. Inputs stay in this page and are not saved or sent by this calculator.
YOUR MONTHLY PICTURE
After the loan payment, property bills and repair budget. Before income taxes.
Down payment + closing costs + initial repairs + the reserve you keep. The reserve is still your cash, not a purchase fee.
Annual cash flow: $903. Return on total upfront cash, including the reserve: 0.9%. This excludes taxes, appreciation, principal reduction and a future sale.
What if rent disappoints?
With rents 10% lower and one additional month of vacancy each year, monthly cash flow would be -$363. Other fixed costs and repair budgets stay the same.
With no rent at all, plan to cover $2,372 per month before unusual expenses.
Full occupancy rent needed to cover modeled costs after the entered vacancy and management allowances: $2,714 per month. This is not a lender qualifying calculation.
How this calculator works
Rent collected = scheduled rent × (1 − vacancy allowance). Management = collected rent × management percentage. Cash flow = collected rent − mortgage principal and interest − taxes − insurance − HOA − mortgage insurance − utilities − repair budget − management. Your house hacking share is the opposite of cash flow.
The loan uses a fixed rate and standard monthly amortization. Costs, rent and rates stay constant. This is a monthly snapshot, not a forecast. Reserves for repairs are budgeted even when not spent. No tax deductions, appreciation, sale costs or future refinancing are modeled. Down payment examples do not establish program eligibility or minimum requirements.
Bring the property. We’ll talk through the plan.
A Discovery Call can help identify which financing questions to explore next.
Book a Discovery CallYOUR NEXT STEP
See the example. Make a plan for you.
Which numbers fit your life? Eric can help you look at the payment, the cash you keep and what could change next.
- 1Explore an example
- 2Choose what to share
- 3Plan a Discovery Call
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A conversation about your numbers.
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