Parcel Platform
Coming soonJoin waitlist
Ready to underwrite smarter?Join waitlist

Free Real Estate Calculators

Best-in-class tools for investors. No signup required

Free tools

Deal screening
Rental Deal AnalyzerNOI CalculatorDSCR CalculatorCap Rate CalculatorCash-on-Cash ReturnRental Yield CalculatorGRM CalculatorRent-to-Price Ratio (1% Rule)50% Rule CalculatorBreak-even Rent CalculatorVacancy Loss Calculator
Underwriting workflow
Underwriting Time Savings Calculator
Offer math
Maximum Offer Price (Rental)MAO Calculator (Flip / 70% Rule)Cash Needed to CloseClosing Costs Calculator (Buyer)Seller Net SheetEarnest MoneySeller Concessions ImpactWholesale Assignment FeeHolding CostsFlip Profit
Financing
Mortgage CalculatorMortgage Points CalculatorRefinance Break-even CalculatorInterest-Only PaymentPMI CalculatorCash-Out RefinanceRefi ProceedsLoan ComparisonHard Money CostLTV CalculatorLTC Calculator
BRRRR + rehab
BRRRR CalculatorARV CalculatorRehab ContingencyRehab % of ARVARV Discount
Coming soon

Rental Deal Analyzer

A real pro-forma: NOI, DSCR, cash flow, cap rate, and cash-on-cash—fast.

Parcel Platform
Mar 4, 2026
Rental Deal Analyzer
Purchase $350,000 • Rent $2,400/mo
Advanced assumptions
Monthly Cash Flow
-$248
Cash-on-Cash
-3.1%
Cap Rate
5.14%
DSCR
0.86
Annual NOI
$17,976
Monthly Debt Service (P&I)
$1,746
Total Cash Invested
$96,250
Break-even Occupancy
105.35%
Hold period projection & IRR (pre-tax)
IRR
4.81%
Equity Multiple
1.28x
Net Sale Proceeds
$134,306
Total Profit
$26,818
NPV (@ 8%)
-$14,044

Projection uses simple annual growth assumptions (rent + expenses) and a standard amortizing loan balance. Pre-tax; excludes depreciation and income taxes.

Min-$2,981
Max$19,458
Annual NOI
Annual Cash Flow
Min$100,667
Max$405,746
Property Value
Loan Balance
Equity
YearNOICash FlowLoan BalanceProperty ValueEquity
1$17,976-$2,981$259,833$360,500$100,667
2$18,336-$2,622$256,974$371,315$114,341
3$18,702-$2,255$253,908$382,454$128,546
4$19,076-$1,881$250,621$393,928$143,307
5$19,458-$1,499$247,095$405,746$158,651
Offer guidance (max purchase price)
Max Price (Cash Flow)
$260,132
Max Price (DSCR)
$240,171
Max Price (Cash-on-Cash)
$219,548
Max Price (Cap Rate)
$256,800

These “max price” numbers treat rent and operating expenses as independent of price (good for quick screening). Always sanity-check with local taxes, insurance quotes, and realistic reserves.

What is Rental Deal Analyzer?

A rental deal analyzer is a comprehensive calculator that evaluates the financial viability of an investment property by combining income projections, expense estimates, and financing terms to produce key metrics like NOI, cash flow, cap rate, and cash-on-cash return.

Formula
Cash Flow = NOI − Debt Service, where NOI = Effective Income − Operating Expenses

How this calculator works

A fast, investor-grade rental pro forma. Model income, vacancy, operating expenses, and financing to see NOI, DSCR, cash flow, cap rate, cash-on-cash, and a simple hold projection with IRR.

What it includes
  • NOI (monthly + annual)
  • Mortgage P&I estimate
  • Cash flow (monthly + annual)
  • DSCR and break-even occupancy
  • Cap rate and cash-on-cash
  • Hold projection: sale proceeds + IRR (simple)
How to use it
  1. Start with realistic rent (use comps, not the listing).
  2. Enter taxes/insurance and conservative reserves (vacancy, management, maintenance, capex).
  3. Set your financing terms and sanity-check DSCR + cash flow.
  4. Stress test: rent -10%, expenses +10%, rate +1%.

FAQ

What’s the difference between NOI and cash flow?
NOI is income minus operating expenses (before debt). Cash flow is NOI minus your mortgage payment (and any other debt service).
What operating expense assumptions should I start with?
If you’re unsure, start conservative: 5–8% vacancy, 8–10% management, 5% maintenance, and 5% capex. Then replace with real numbers as you learn the property.
What DSCR should I target?
Many lenders like to see DSCR ≥ 1.20. Higher DSCR gives you margin if rent dips or expenses run higher than expected.
Ready for the full platform?

Go beyond calculators. Get automated underwriting, AI-powered comps, renovation estimates, and branded PDF reports.

Join waitlist 5 free analyses, no card required

Ready for the full picture?

These calculators are just the start. Get AI-powered analysis, professional reports, and a complete underwriting workflow.

Join waitlist View pricing