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Cash Flow Calculator

Calculate potential monthly and annual cash flow for your rental property investment

What is Cash Flow Analysis?

Cash flow analysis is crucial for real estate investors to understand the profitability of their rental properties. It considers all income sources and expenses to determine how much money you'll actually pocket each month.

Why It Matters

✓Helps determine if a property is a good investment
✓Shows your actual monthly profit or loss
✓Identifies potential financial risks
✓Assists in comparing different properties

What Makes Good Cash Flow

✓Positive monthly cash flow after all expenses
✓Sufficient reserves for maintenance and repairs
✓Room for market fluctuations and vacancies
✓Strong cash on cash return (typically 8%+ annually)

How to Use This Calculator

Enter Property Information

Start with these key details:

Total property value (purchase price or current value)
Expected monthly rental income
Monthly mortgage payment (if applicable)

Input All Expenses

Include all regular costs:

Annual property taxes (will be converted to monthly)
Annual insurance premiums
Monthly utilities (if you pay them)
Expected monthly maintenance costs
Property management fees (if using a manager)

Set Vacancy Rate

Account for potential vacant periods:

Typical rates range from 5-10%
Higher rates for seasonal rentals
Consider local market conditions

Analyze Results

Review these key metrics:

Monthly and annual cash flow
Cash on cash return
Detailed expense breakdown
Visual cash flow analysis

Tips for Accurate Results

Do's

✓Research actual local property taxes and insurance rates
✓Include all known regular expenses
✓Budget for regular maintenance and repairs
✓Consider seasonal factors in vacancy rates

Don'ts

×Underestimate maintenance costs
×Forget about property management fees
×Assume 100% occupancy
×Ignore potential property tax increases