Rental Property Analyzer
Know your cash flow and returns before you make an offer. Run the same DSCR, cash-on-cash, and cap rate numbers a lender will run — plus a vacancy stress test most spreadsheets skip.
The Property
The Financing
Income & Expenses
Set property management to 0% if you plan to self-manage. All figures are estimates for planning purposes — confirm actual taxes, insurance, and financing terms before you rely on this for a real offer.
Enter your numbers and run the analysis to see monthly cash flow, DSCR, cap rate, cash-on-cash return, and how the deal holds up under a vacancy stress test — the same read a lender would give it.
The four numbers that decide whether this deal is bankable
Anyone can add up rent minus expenses. What a credit desk actually checks is whether the numbers hold up under scrutiny — and whether they'd still hold up if something went wrong.
- DSCR (Debt Service Coverage Ratio) — the single number most DSCR-loan lenders lead with. Below 1.0x, the property doesn't cover its own mortgage. Most lenders want 1.20–1.25x or better before they'll price the loan favorably.
- Cash-on-cash return — your actual return on the money you put in, not the property's total value. This is the number that answers "was this a good use of my down payment."
- Expense ratio — operating expenses as a share of rent. Too low, and the estimate is probably optimistic about maintenance and vacancy. Too high, and the margin for error disappears.
- The vacancy stress test — what happens to coverage if vacancy runs ten points higher than assumed. A deal that only works at a fully-optimistic occupancy rate is a deal a lender will flag.