Rental property calculator

Price, loan, rent, every expense line, growth and the hold. You get cap rate, cash-on-cash, DSCR, IRR and a year-by-year projection to the sale, the way a lender or an experienced buyer runs it. Same logic as the Bindler workbook, verified against it.

Purchase and loan
Income and costs, year one
Growth, hold and sale
The workbook: the full 30-year projection and the amortisation, month by monthRental Property Analyzer, $24: Inputs, a 360-month amortisation, a 30-year projection with every expense line, Metrics with the IRR series laid out, and a Guide. 14 metrics verified through a formula engine before listing.
See the workbook

Method: gross scheduled rent grows at the rent growth rate; vacancy is a share of gross; repairs and reserves follow gross rent, management follows collected rent, fixed expenses grow at the expense growth rate; NOI less debt service (from a monthly amortisation) is cash flow before tax. The holding year adds the net sale: value at the appreciation rate, less selling costs, less the loan balance. IRR is on cash invested at year 0 and each year's cash flow including the sale. Before income tax; depreciation, tax on sale and refinancing are outside this page. Same logic as the Bindler workbook. Arithmetic on your assumptions, not investment, tax or legal advice.