Rental Cash Flow Calculator
The full worksheet: loan payment, effective rent, and monthly cash flow, graded against an honest benchmark.
Rental Property Worksheet
Loan amount
Principal & interest
Cash flow
Marks reflect commonly cited starting benchmarks used by US buy-and-hold investors (roughly $200+/month per door, 8%+ cash-on-cash, 6%+ cap rate). Treat them as a rule-of-thumb floor to sanity-check a deal, not a guarantee of performance — actual targets vary by metro, asset class, and financing.
The formula
Loan amount
P&I payment
Cash flow
Cash flow is what is left over each month after the mortgage payment and operating expenses are paid — the number that actually lands in your account.
Effective rent subtracts an assumed vacancy rate from gross rent, so the worksheet does not quietly assume 100% occupancy forever.
A property can look great on gross rent and still lose money once vacancy, principal & interest, and real operating costs are subtracted — this calculator forces all three onto the same page.