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Income Property Analyzer
Income Property Calculator
Monthly cash flow, cash-on-cash return, DSCR, NOI and a 4-point investor scorecard — all updated live as you type.
Example numbers are filled in. Replace them with the property's real numbers.
Property & Loan
Monthly Income
Monthly Expenses
PASS
0 of 4 points
| Metric | Target | Result | Pass? | Pt |
|---|---|---|---|---|
| Cash Flow | Greater than $0 | ($2,001)/mo | NO | 0 |
| Cash-on-Cash Return | 8% or higher | -8.58% | NO | 0 |
| DSCR | 1.25 or higher | 0.69 | NO | 0 |
| 1% Rule | 0.90% or higher | 0.72% | NO | 0 |
($2,001)
Monthly Cash Flow
($24,014)
Annual Cash Flow
-8.58%
Cash-on-Cash
0.69
DSCR
Where the Money Goes Each Month
- Mortgage P&I$6,542/mo · 61.3%
- Taxes & Insurance$3,000/mo · 28.1%
- Utilities & Upkeep$700/mo · 6.6%
- Reserves$434/mo · 4.1%
Expenses are more than income by $2,001 per month
Calculations
- Total Acquisition Cost
- $1,240,000
- Down Payment Amount
- $240,000
- Loan Amount
- $960,000
- Monthly Mortgage P&I
- $6,542
- Gross Monthly Income
- $8,675
- Property Management
- $0
- Maintenance Reserve
- $0
- Vacancy Reserve
- $434
- Total Monthly Expenses
- $10,676
- Monthly Cash Flow
- ($2,001)
- Annual Cash Flow
- ($24,014)
- Total Cash Invested
- $280,000
- Cash-on-Cash Return
- -8.58%
- Annual Gross Income
- $104,100
- Annual Operating Expenses
- $49,605
- NOI
- $54,495
- Annual Mortgage Payments
- $78,509
- DSCR
- 0.69
- 1% Rule
- 0.72%
Important: This is a deal-screening worksheet, not financial, legal, tax, or lending advice. Verify taxes, insurance, rents, repairs, financing terms, reserves, and lease details before making a decision.
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