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Loading your property analysis...
Enter property details to see cash flow
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Monthly Cash Flow
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Monthly Cash Flow
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After all expenses
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Cap Rate
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NOI ÷ Property Value
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Cash-on-Cash
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Annual return on cash invested
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Annual NOI
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Net operating income
🎯 The Verdict
Enter property numbers below.
🏠 Property Details
Purchase price, financing, rental income
📋 Monthly Expenses
All costs that eat into your rental income
What this means in plain English
Enter your rental property details above — purchase price, rent, vacancy, and expenses — to see your cash flow, cap rate, and cash-on-cash return.
What you should do next
- Fill in your property numbers to get specific next steps for evaluating or improving your rental investment.
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Cash Flow Waterfall
From gross rent to your pocket — every expense
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Vacancy & Rent Scenarios
How vacancy and rent changes affect your returns
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10-Year Projection
Equity buildup, appreciation, and total return
Income vs Expenses
Expense Breakdown
Cash Flow by Vacancy Rate
10-Year Equity Growth
Rental Property Analysis
Vault & Vessel Studio ·
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How To Use
Know if a rental property makes money before you buy
🚀 Getting Started
1
Enter Property Details
Purchase price, down payment, mortgage rate, and monthly rent from the listing or your research.
2
Add All Expenses
Property tax, insurance, maintenance reserve, management fees. Be realistic — underestimating kills returns.
3
See Cash Flow & ROI
Monthly cash flow, cap rate, and cash-on-cash return. Positive cash flow = money in your pocket every month.
4
Run Scenarios
What if vacancy hits 10%? What if rent drops? Stress-test the deal before committing capital.
📊 Terms Made Simple
Cash Flow: Rent collected minus ALL expenses (mortgage, taxes, insurance, maintenance, vacancy, management). Positive = money in your pocket. Negative = you're paying to own this property.
Cap Rate: Net Operating Income ÷ Property Value. Ignores financing — tells you how productive the property is as an asset. 5-10% is typical. Higher = better return, often higher risk.
Cash-on-Cash Return: Annual cash flow ÷ total cash you invested (down payment + closing costs). This is YOUR return on YOUR money. 8-12% is strong for rentals.
NOI (Net Operating Income): Annual rental income minus operating expenses — but NOT including mortgage payments. Lenders and investors use NOI to evaluate property value independently of financing.
🔒 Your Data, Your Device
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No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not investment advice. Actual returns depend on market conditions, property condition, tenant quality, and many other factors. Always do your own due diligence.