Long-Term Rental Calculator

Run a clean 12-month rental estimate using market rent, vacancy, and real operating costs — so you can get to the numbers that matter: cash flow, cash-on-cash, and DSCR.

Income Assumptions

Monthly Rent ($)

Other Monthly Income ($)

Vacancy Allowance (%)

Annual Rent Growth (%) (optional)

Simple estimate: applies half-year growth to approximate average rent.

Property Management

Self-Managed?

Turn ON for self-managed (mgmt + placement/renewal fees set to $0).

Monthly Mgmt Fee (% of rent)

Tenant Event This Year

Placement Fee (% of 1 month rent)

Typical range: 80–100% of one month’s rent.

Renewal Fee (% of 1 month rent)

Typical range: 25–50% of one month’s rent.

Placement/renewal fee is spread across 12 months so monthly cash flow stays realistic.

Operating Expenses

Maintenance Reserve (% of rent)

CapEx Reserve (% of rent)

Utilities (monthly $)

HOA (monthly $)

Insurance (annual $)

Property Taxes (annual $)

Other Fixed Expenses (monthly $)

Debt & Investment

Monthly Mortgage Payment ($)

Use principal + interest. (Add escrow items above.)

Total Cash Invested ($)

Down payment + closing costs + rehab, if any.

Estimated Monthly Cash Flow

Cash-on-Cash (Annual)

0.0%

DSCR (NOI ÷ Debt Service)

0.00

Monthly Breakdown

Effective Rent (after vacancy): $0

Gross Income (effective rent + other): $0

Mgmt Fee: $0

Placement/Renewal (monthly equivalent): $0

Operating Expenses (excl. debt): $0

NOI: $0

Debt Service: $0

This is a planning tool. Actual performance depends on rent collection, turnover, repairs, and local expenses.