Run a rental property through the full investor analysis. Calculate net operating income, cap rate, monthly cash flow, cash-on-cash return, and gross rent multiplier. The complete picture for buy-and-hold investors.
Get a Rate Quote →This is the more comprehensive version of our Cash-on-Cash Calculator. It calculates ALL the key rental property metrics — NOI, cap rate, cash-on-cash return, gross rent multiplier — so you can compare rental properties on every dimension.
Use this for buy-and-hold rental analysis, including BRRRR exits, DSCR-financed rentals, and conventional investment property deals.
Typical: 20-30% for DSCR loans
Origination + title + appraisal + escrow setup
Laundry, parking, storage, etc. (multifamily)
% of gross rent (typical: 8-10%)
% of gross rent (typical: 5-8%)
% of gross rent (typical: 5-8%)
% of gross rent for capital expenditures (roof, HVAC, etc.)
What hits your bank account each month after ALL expenses (mortgage, taxes, insurance, management, vacancy, maintenance, capex). Positive = profitable rental. Negative = losing money monthly.
Annual income minus annual operating expenses, EXCLUDING the mortgage. This is the property's earning power independent of how it's financed. Used to calculate cap rate.
NOI ÷ Purchase Price × 100. Measures the unleveraged return on the property. Compare cap rates between potential properties — higher is better. Typical: 5-8% in major markets, 8-12% in secondary/tertiary markets.
Annual cash flow ÷ Total cash invested × 100. Measures the return on YOUR money. The most honest metric for leveraged investments. Target: 8%+ for buy-and-hold rentals.
Purchase Price ÷ Annual Gross Rent. Quick screening tool — lower GRM = better deal. GRM of 8-10 is good, 12+ is rich for the income.
| Rule | Meaning | When It Works |
|---|---|---|
| 1% Rule | Monthly rent > 1% of purchase price | Cash flow markets (Midwest, South). Hard in CA/NY. |
| 50% Rule | Operating expenses ~ 50% of gross rent | Quick mental check before deeper analysis. |
| 2% Rule | Monthly rent > 2% of purchase price | Class C properties in distressed markets. Rare otherwise. |
| Cap Rate > 8% | Property returns >8% before financing | Investor markets. CA/NY/coastal won't qualify. |
Got a property that pencils out? LendingStreet finances rental properties with DSCR loans — qualify based on the property's rental income, not your tax returns. Up to 80% LTV. Close in 21-30 days. LLC borrowing supported.
No credit pull. No commitment. Speak with a licensed financing firm that knows the investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001