Does this rental actually cash flow?
Rent, real expenses, financing. See true monthly cash flow, cap rate, and cash-on-cash — before the pitch deck version.
The deal
$425,000
25% ($106,250)
7.25%
30 yrs
$3,100
6%
1.10%
$1,600
8% of rent
8% of rent
3.00% of price
Bleeding cash
-$279
per month, after everything
P&I (70%)
Op ex (33%)
Vacancy (6%)
Cash flow (0%)
How to read this
Cap rate ignores your loan — it's the property's yield. Cash-on-cash includes financing and closing costs, so it's what your down payment actually earns in year one. Both ignore appreciation, principal paydown, and tax benefits, which are real but slower.
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Estimates only. Not an appraisal, tax advice, or lending offer. Checking here never touches your credit.