Estimate your cash flow, cap rate, cash-on-cash return, and long-term projections — all in one place.
| Year | Property Value | Annual Cash Flow | Equity | Total Return |
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Cap rates of 4–10% are common for residential rentals in the U.S. — lower in expensive coastal markets, higher in cash-flow markets. Anything below 4% generally means you're betting on appreciation, not income.
Most small landlords target 8–12% cash-on-cash return in the first year. Above 12% is strong; below 6% is usually a sign rent isn't keeping up with the price you paid.
The calculator assumes annual rent growth, expense inflation, and appreciation rates you set, then compounds them. Year-by-year cash flow and equity build are shown so you can see when the property breaks even and starts producing real returns.
Yes. A common heuristic is 5–8% of rent for vacancy and 1% of property value per year for maintenance. The calculator lets you set both — leaving them at zero produces an unrealistic, optimistic projection.