Rental Property Deal Analyzer
Evaluate a rental deal with accurate cash flow, cap rate, cash-on-cash return, equity buildup, and a realistic 10-year IRR.
📊 Cash Flow & Cap Rate
💰 Cash-on-Cash Return
📈 10-Year IRR
Deal Inputs
Adjust the numbers to match your specific rental property scenario.
$
Total purchase price of the property.
%
Percentage of the purchase price you pay upfront.
%
Mortgage interest rate (annual percentage).
$
Inspection, appraisal, lender fees, etc.
$
Expected rent when you first place a tenant.
%
Average expected rent increase per year (also used as expense inflation).
%
Percentage of the year the property is vacant.
%
Percentage of collected rent paid to property manager.
%
Rule-of-thumb % of rent reserved for repairs & CapEx.
$
Taxes, insurance, HOA, utilities you pay, etc. (will grow annually).
%
Average expected property value increase per year.
%
Agent commissions, closing costs, etc. when you sell.
How to Read These Numbers
Cap Rate (Year 1)
Cap rate is NOI ÷ Purchase Price. Many small investors aim for 5–8%+ depending on market risk.
Cash-on-Cash Return
This is your annual cash flow ÷ cash invested. It tells you what your money “earns” in year 1.
10-Year IRR
IRR is a full-project return metric. It considers:
- Annual cash flow
- Loan paydown
- Appreciation & selling costs
- Your total cash invested up front
Deal Summary (Year 1 & 10-Year)
Deal Grade
Year 1 Cash Flow
$0
Cap Rate (Y1)
0%
Cash-on-Cash (Y1)
0%
10-Year Total Return
0%
10-Year IRR
0%
| Metric | Your Deal | Rule-of-Thumb |
|---|---|---|
| Cap Rate (Year 1) | 0% | 5–8%+ |
| Cash-on-Cash (Year 1) | 0% | 8–12%+ |
| 10-Year IRR | 0% | 10–15%+ |
💡WikiBudget Insight
Enter your deal numbers to see if this rental meets common investor return targets.
10-Year Cash Flow & Equity Buildup
Uses monthly amortization and growing expenses for realistic long-term projections.