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Track every rental in one place: cash flow, cap rate, cash-on-cash and DSCR. Free, no sign-up.

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NicknameUse a nickname, not a full address. It stays on this device only. Loan typePick how you are paying. FHA, VA and USDA are government-backed loans, generally for homes you will live in yourself, not pure rentals. The tip below shows each type's fees and sources.Conventional: a regular bank loan. With less than 20% down, lenders usually add PMI (private mortgage insurance). PMI is set by your lender and credit, so there is no official rate. Ask your lender and type it in below.FHA: 1.75% upfront fee, plus a yearly fee (MIP) of 0.50% (0.55% with under 5% down) on loans longer than 15 years up to $832,750 (HUD ties this cutoff to the national conforming loan limit, $832,750 for 2026 per FHFA). Other loan sizes and terms follow HUD's chart, which this calculator uses. Source: HUD Mortgagee Letter 2023-05. Last checked Oct 23, 2026. FHA is for a home you will live in: at least one borrower must move in within 60 days and stay at least a year (HUD).VA: no down payment needed and no monthly mortgage insurance, but a one-time funding fee. First use: 2.15% under 5% down, 1.5% at 5% or more, 1.25% at 10% or more. After first use: 3.3% under 5% down, then the same. Veterans getting VA disability compensation usually don't pay it. Source: VA.gov funding fee chart. Last checked Oct 23, 2026. VA loans are for a home you will live in (VA.gov).USDA: 1% upfront guarantee fee and a 0.35% yearly fee (fiscal year 2027: Oct 1, 2026 to Sep 30, 2027). The yearly fee is on the remaining balance, so this shows a first-year estimate. Source: USDA Rural Development notice. Last checked Oct 23, 2026. USDA loans are for eligible rural homes you will live in: you must move in within 60 days of closing, and income limits apply (USDA).DSCR / investor: a loan approved mostly on the rent, not your paycheck. Rates, down payment and fees are set by each lender (there is no official chart), so enter your lender's quote. No mortgage insurance is added.All cash: no loan and no mortgage payment. Cash ROI is your yearly cash flow divided by the full price plus closing costs.Purchase price

What you pay for the home.Down payment

The part of the price you pay in cash. The bank lends the rest.Interest rate

The yearly interest rate on your loan.Loan term

yrs

How many years until the loan is paid off. Many loans are 30 years.Monthly rent

What the tenant pays you each month.Vacancy

Homes sit empty sometimes between tenants. 5% means about 2–3 weeks empty per year. We subtract this from your rent.Management

What a property manager would charge, as a % of rent. Doing it yourself? You can enter 0, but many investors keep 8–10% in so the numbers still work if they hire help later.Other monthly expenses (tax, insurance, repairs)

Monthly costs other than the loan: property tax, insurance, repairs, HOA. Many investors also set money aside for big repairs later (CapEx), like a roof or water heater.Closing costs

One-time fees paid when you buy: lender, title and recording fees.PMI rate (ask your lender)

%/yr

Only used with under 20% down. Your lender sets it. Leave blank if you don't know yet.VA loan useHave you used a VA home loan before? After first use, the fee is higher with under 5% down.Exempt from VA funding fee?Veterans who get VA disability compensation usually don't pay the funding fee. Your Certificate of Eligibility shows it.Upfront feeMost buyers add the upfront fee to the loan. Paying it in cash counts as cash you put in.

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What do these numbers mean?

Cash flow: Rent after vacancy, minus expenses, management, mortgage and mortgage insurance. Positive means the rental pays you each month.
Cap rate: Yearly rent after vacancy, minus expenses and management, before the mortgage, divided by the price. It compares deals as if bought with cash.
Cash-on-cash: Yearly cash flow divided by the cash you put in (down payment, closing costs and any upfront fee paid in cash). It shows “—” when you put in $0, because a return on $0 can't be measured.
DSCR: Monthly rent divided by the monthly mortgage payment (including mortgage insurance). 1.0 means rent just covers it; higher is safer. Each lender sets its own minimum, so ask yours.

Estimates only. Not financial, tax or legal advice.

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