Property-level operating analysis
Model scheduled rent, ancillary income, vacancy, maintenance, management, taxes, insurance and other expenses.
Rental property deal analysis
Investment Property Calculator
Evaluate a rental deal using the numbers that matter after income, operating expenses, reserves and debt service. Compare conventional and assumable financing, set your own return targets, and stress-test the deal before committing capital.
Cash flow + returnsReview monthly cash flow, cap rate and cash-on-cash return together.
Debt coverageSee DSCR and debt yield without treating one ratio as the entire deal.
Financing scenariosCompare conventional financing with an assumable-loan structure when relevant.
What this calculator is designed to show
Definition: An investment property calculator estimates how a rental property may perform using rent, operating expenses, financing and investor cash. Deal Seeker Tools separates operating performance from debt service so you can see both the property economics and the financing effect.
Investor cash-flow analysis
Include CapEx reserves, principal and interest, and mortgage insurance where applicable to estimate investor-level monthly cash flow.
Set your own targets
Enter minimum cash flow, cash-on-cash return and DSCR instead of relying on a universal definition of a “good” deal.
Compare financing paths
Use the conventional and assumable paths to see how cash required, payment, cash-on-cash return and DSCR change under different financing structures.
How to use it
Use the calculator as a screening and decision-support workflow. Verify property, contractor, lender, insurance, tax and closing assumptions before relying on the output for a real transaction.
1
Enter the property and rentStart with purchase price, scheduled rent and any recurring ancillary income.
2
Enter real expensesUse property-specific taxes and insurance and your own vacancy, maintenance, management and reserve assumptions.
3
Model financingEnter the actual rate and term you want to test, then compare another financing path when appropriate.
4
Review the whole resultUse cash flow, cap rate, cash-on-cash, DSCR, debt yield, stress results and your targets together—not one metric in isolation.
Run the numbers in Deal Seeker Tools
Open the live tool with the relevant analyzer selected, then replace the assumptions with the actual numbers for the deal you are evaluating.
Frequently asked questions
What is included in cash flow?
Deal Seeker Tools starts with modeled income and operating expenses, then subtracts investor-level reserves and debt-related costs according to the active financing path.
Does cap rate include mortgage payments?
No. Cap rate is based on NOI relative to purchase price; debt service is analyzed separately.
Can I enter annual taxes and insurance?
Yes. Taxes and insurance are entered annually and converted internally to monthly amounts for the property analysis.
Does Deal Seeker Tools supply a live market interest rate?
No. You enter the financing rate you actually want to test so the analysis does not silently substitute a generic market assumption.