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Sold by ME. · David Thomas Mejia, Broker · CA DRE #01448424 · Veteran-owned · San Diego County

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Investors

Rental property cash flow calculator

Cash flow, cap rate, cash-on-cash return and DSCR for a San Diego rental, ADU or house hack, with management, vacancy and reserves built in.

Run the numbers

Run the numbers

Will it cash flow?

Your deal

Purchase price ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Closing costs (% of price)

Repairs at purchase ($)

Monthly rent, all units ($)

Other income: garage, laundry, ADU ($/mo)

Vacancy (%)

Property management (% of rent)

Maintenance (% of rent)

Capital reserves (% of rent)

Property tax rate (%)

Insurance ($/yr)

HOA ($/mo)

Estimates only. Rents, rates and insurance change; get quotes before you buy.

Plain English

What the numbers mean

Cash flow

Money left each month after every expense and the mortgage
Negative means you pay to own it

Cap rate

Net operating income / price
Compares properties regardless of financing

Cash-on-cash

Yearly cash flow / cash you put in
Compare it to what your cash earns elsewhere

DSCR

Net operating income / mortgage payment
DSCR lenders usually want 1.20 or more

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