WHATS YOUR RETURN

Investment Property
ROI Calculator

Estimate rental cash flow, cap rate, cash-on-cash return, DSCR, appreciation, equity, and projected long-term ROI.

INVESTMENT PROPERTY ROI CALCULATOR

Build Your Plan

01

PURCHASE & FINANCING

Purchase Price & Financing

$500,000
$100K$3M
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Quick Select
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Quick Select
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$
$
02

RENTAL INCOME

Rent, Other Income & Vacancy

$ /mo
$ /mo
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%
03

OPERATING EXPENSES

Estimate the Cost to Operate

$ /yr
$ /yr
$ /mo
% rent
% rent
% rent
$ /mo
$ /yr
04

LONG-TERM PROJECTION

Appreciation, Exit Costs & Hold Period

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Quick Select
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This planner uses simplified estimates and does not account for income taxes, depreciation, passive-loss rules, cost segregation, recapture, exchange treatment, financing changes, or every property-specific expense.

ESTIMATED ANNUAL CASH FLOW

$0
Strong Cash Flow

Estimated net operating income less annual principal-and-interest payments.

Gross Scheduled Income$0
−
Vacancy & Credit Loss$0
−
Operating Expenses$0
=
Net Operating Income$0
−
Annual Debt Service$0
=
Annual Cash Flow$0
Effective Gross Income$0
Net Operating Income$0
Annual Debt Service$0
Monthly Cash Flow$0
Monthly Cash Flow$0
Cap Rate0.0%
Cash-on-Cash Return0.0%
Debt-Service Coverage Ratio0.00
Total Initial Cash Invested$0
Projected Equity at Sale$0
Projected Net Profit$0
Annualized ROI0.0%

GOLDEN OAK INSIGHT

The modeled property produces positive annual cash flow.

Strong Cash Flow

Review the assumptions carefully because small changes in rent, vacancy, expenses, or financing can materially change the return.

PROJECTED TOTAL RETURN

$0

5-year hold
Cumulative Cash Flow$0
Principal Repaid$0
Estimated Appreciation$0
Projected Annualized ROI0.0%

INVESTMENT PROJECTION

See How the Return Builds Over Time

The projected return combines cumulative cash flow, loan amortization, estimated appreciation, and modeled selling costs.

PROJECTED SALE PRICE Estimated Sale Price
$0
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Estimated Selling Costs $0
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Projected Loan Payoff $0
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Cumulative Cash Flow $0
−
Initial Cash Invested $0
Projected Net Profit $0
Investment MetricPurchaseYear 5
Property Value$0$0
Loan Balance$0$0
Property Equity$0$0
Cumulative Cash Flow—$0
Projected Net Profit—$0

PROPERTY OPERATIONS

$0

Gross Scheduled Income$0
Vacancy & Credit Loss$0
Operating Expenses$0

LEVERAGED RETURN

0.0%

Annual Cash Flow$0
Initial Cash Invested$0
DSCR0.00

HOLD-PERIOD RETURN

$0

Future Property Value$0
Equity at Sale$0
Annualized ROI0.0%

NEXT PLANNING TOOLS

Continue Planning

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Debt-Service (DSCR) CalculatorFocus on rental-property debt coverage using income, expenses, and proposed financing.
→
Mortgage Payment CalculatorBuild a complete payment scenario using rate, term, taxes, insurance, mortgage insurance, and HOA.
→ +
Closing Cost CalculatorEstimate down payment, fees, prepaids, escrows, credits, and total cash needed to close.
→

HELPFUL READING

Educational Resource

i

OFFICIAL RESOURCE

CFPB: Owning a Home

Review general mortgage-shopping, loan-comparison, and closing resources before financing an investment property.

Open Official CFPB Resource →

YOUR INVESTMENT DESERVES A PERSONAL REVIEW

Review Your Investment Plan With Golden Oak

A personalized review can compare DSCR and conventional financing, reserve requirements, points, prepayment structures, property taxes, insurance, rents, and lender-specific investment-property guidelines.

Review Plan >

This planner provides simplified estimates for educational purposes only and does not constitute investment advice, tax advice, legal advice, property-management advice, a property valuation, rent forecast, loan approval, rate quote, or commitment to lend. Actual income, vacancy, operating expenses, repairs, capital expenditures, financing, taxes, insurance, appreciation, selling costs, liquidity, and returns may differ materially. The planner does not model income taxes, depreciation, passive-loss rules, capital-gains taxes, depreciation recapture, cost segregation, 1031 exchanges, or every property-specific risk. Consult qualified mortgage, real estate, tax, legal, and investment professionals.