Down payment
—
20% of purchase
Monthly P&I
—
6.5% / 30 yr
Monthly insurance
—
Market rate
Effective rent
—
After vacancy
Net cashflow / mo
—
—
Cash-on-cash return
—
Annual / down payment
Cap rate
—
NOI / purchase price
Break-even year
—
Cashflow covers down pmt
Gross rent multiplier
—
Price / gross annual rent
Total expenses / mo
—
All-in monthly costs
Loan amount
—
80% LTV
Annual NOI
—
Before debt service
Monthly expense breakdown
Total
—
Distribution
Insurance — market standard rates
Single family home
~0.50% of value / yr
Small multifamily (2–4)
~0.60% of value / yr
Condo / townhouse
~0.30% of value / yr
Landlord insurance (DP3/DP5) estimated at market standard rates for rental properties. Actual quotes may vary by location and carrier.
Rentometer — Comparative Rent Analysis
Enter your zip code, then open Rentometer to pull the 25th / median / 75th percentile rents for your area and enter them below.
Market comparison
Scenario
Monthly rent
Annual NOI
vs. your rent
Real-time median rent data: rentometer.com
— search by zip code and bedroom count.
Cumulative cashflow
Equity
Total return
Assumes 3% annual rent growth, 2% annual expense inflation, and your specified appreciation rate. Break-even defined as cumulative cashflow ≥ down payment.