Real Estate Deal Analyzer
Let's run every number on any rental property — cash flow, returns, and exactly what you walk away with at exit.
What This Calculator Does
Feed in your purchase details and the analyzer paints the full investment picture: monthly cash flow, cap rate, cash-on-cash ROI, DSCR (Debt Service Coverage Ratio), projected equity growth, and the total profit you can expect at sale — all on one screen.
Who Is This For
This is for investors who want more than a back-of-napkin estimate before committing to a rental, for landlords measuring prospective acquisitions against their portfolio benchmarks, and for anyone stress-testing the financial case for an investment property in Miami or any other market.
How It Works
Enter the purchase price, the down payment, the expected monthly rental income, and your operating expense figures. Set your target holding period and an appreciation assumption, then click Calculate to generate the full suite of investment metrics.
Frequently Asked Questions
What is a good cap rate?
Cap rates move quite a bit depending on the submarket and asset class. Miami residential properties have historically landed in the 4-7% range. A higher cap rate points to stronger income relative to price, though it can also signal elevated risk or limited upside from appreciation.
What does DSCR mean?
DSCR — Debt Service Coverage Ratio — shows whether the property's rental income is enough to service its debt. A reading above 1.0 confirms that rent covers the mortgage payment. Most lenders financing investment properties set their minimum threshold at 1.2-1.25.
How is cash-on-cash ROI calculated?
The formula is simple: Annual Cash Flow divided by Total Cash Invested. It isolates the return on the real dollars you put in, deliberately setting aside mortgage paydown and appreciation so you see only the income performance. Investors typically aim for 8-12% as a benchmark.
Should I include appreciation in my analysis?
Miami's track record of 3-5% annual appreciation makes it worth modeling, but treat it as a bonus rather than a given. Build your projections on conservative appreciation figures and make sure the cash flow stands on its own — that way the investment still works even if appreciation disappoints.