Property Cash Flow Calculator
Instantly calculate monthly cash flow, cap rate, and cash-on-cash return for any rental property. Know if a deal works before you make an offer.
LendCity™ Mortgages
Property Cash Flow Analysis
Property Details
Amount: $100,000
Loan Terms
LendCity™ Mortgages
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This Property Cash Flow Analysis is just the beginning. Our team of specialists is ready to help you structure your next deal for maximum growth and cash flow.
Contact Information
+1 (226) 783-1640
scott@lendcity.ca
4769 Wyandotte St E
Windsor, ON N8Y 1H8
lendcity.ca
Four ROI signals on one screen
Do you pocket or pay?
Unlevered yield
Return on cash in
Quick value filter
How to Calculate Rental Property Cash Flow and ROI
Use LendCity™'s free property cash flow calculator to determine monthly cash flow, cap rate, and cash-on-cash return for investment properties.
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Enter Property Details
Input purchase price, down payment, and financing terms.
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Add Income and Expenses
Enter monthly rent, property tax, insurance, maintenance, and vacancy rate.
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See Instant Results
Get cash flow, cap rate, cash-on-cash return, and a clear pass/fail verdict.
How to Analyze a Rental Property
Strong deals share the same fundamentals: income exceeds expenses, returns justify the risk, and the numbers make sense before emotion does.
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Monthly Cash Flow
What you pocket each month after paying the mortgage, property tax, insurance, maintenance, and accounting for vacancy. Positive cash flow properties pay you every month — negative ones cost you. · Effective Rent − Total Monthly Expenses
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Cap Rate
The cap rate tells you how much a property earns relative to its price — ignoring financing. It's useful for comparing deals across different markets or property types without the distortion of debt. · Net Operating Income / Purchase Price × 100
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Cash-on-Cash Return
The most investor-relevant metric. It measures your annual cash flow as a percentage of the actual cash you invested (your down payment). A 7% cash-on-cash return means for every $100K invested, you net $7K/year. · Annual Cash Flow / Down Payment × 100
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Gross Rent Multiplier
A quick screening tool. Divide the purchase price by annual gross rent. Lower GRMs (under 10–12x) generally indicate better value relative to rent. It's a rough filter, not a final decision metric. · Purchase Price / Annual Gross Rent
Related Tools & Resources
next steps
- US DSCR Loan Calculator
Qualify US investment properties with DSCR
- Canadian DSCR Calculator
Commercial mortgage qualification in Canada
- CMHC MLI Max Loan
Multi-unit CMHC insured financing
- Investment Property Mortgages
Financing options for Canadian investors
- US DSCR Loans
No-income-verification rental property loans
- Investor Resources
Free guides and tools for real estate investors
Cash Flow Calculator FAQ
Common questions about rental property cash flow analysis and investment metrics.
Cash Flow Basics
Investment Metrics
Investment Metrics (Continued)
Improving Returns
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