Rental Property Cash Flow Calculator

Calculate the cash a rental may produce after realistic income losses, operating expenses, reserves, and financing. Gross rent is not cash flow.

Monthly Rental Cash Flow Formula

Cash flow = effective rental income − operating expenses − reserves − mortgage payment. Effective income should account for vacancy and nonpayment. Operating expenses commonly include taxes, insurance, management, HOA dues, utilities paid by the owner, and routine maintenance.

Interpret the Result Carefully

A positive estimate can still be fragile if one repair or vacancy period erases the margin. Compare the result with a reserve requirement and use Snap & Map for a multi-year forecast.