Calculator
Rental Property Analysis
The core performance picture for a property you already own. Estimates are fine — precision matters less than getting oriented.
Estimated equity
$1,500,000
Current value minus loan balance.
Net operating income
$35,840
Effective gross income minus operating expenses. Excludes debt service, income taxes and depreciation.
Operating return on equity
2.39%
NOI divided by equity. What the capital in the property is producing before financing.
Cash return on equity
2.39%
Pre-tax cash flow divided by equity. What lands in your pocket relative to the capital tied up.
- Annual gross scheduled rent
- $54,000
- Effective gross rental income
- $51,840
- Total operating expenses
- $16,000
- Cap rate
- 2.39%
- Annual debt service
- $0
- Annual pre-tax cash flow
- $35,840
This property is free and clear, so debt service is zero. That means your cash return and your operating return on equity are the same number — every dollar of value is unleveraged capital.
This becomes your baseline. Now you have something concrete to compare with other options — not a verdict about whether the property is good or bad.
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What the calculator can't measure.
Deferred maintenance you've been putting off. A tenant relationship you value. How you'd feel about a 1031 exchange timeline. Those belong in the conversation too.