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Rental Property Cash-Flow, Cap Rate & DSCR Loan Calculator

Analyze monthly cash flow, Cash-on-Cash return, Net Operating Income (NOI), and instant DSCR (Debt Service Coverage Ratio) loan eligibility across 75+ state and metro markets.

DSCR & Cap Rate Underwriting Engine • National Market

Property & Loan Inputs (National Market)

Monthly Cash Flow
+$552/mo
$6,624 / year net
Cash-on-Cash Return
9.4%
Cap Rate: 8.1%
DSCR Loan Ratio
1.34x
✓ Above 1.20x DSCR Benchmark
Loan Principal & Interest (30-Yr Fixed):$1,618/mo
Net Operating Income (NOI):$26,040/yr
Next Steps to Lock In Your Results

Finance, Underwrite & Protect Your Investment Property

FTC Disclosure: Partner links below may earn us a commission at $0 extra cost to you, keeping our calculators free & ad-free.
Step 1: Investor Financing (No W-2 Required) Verified Partner

Qualify Based on Property Cash Flow (DSCR), Not Personal Tax Returns

Close in an LLC name cleanly. Ideal for rental properties, BRRRR refinances, and short-term rentals.

Compare DSCR Rental Loan Terms →

Provider: Kiavi / DSCR Investor Financing

Step 2: Property Comps & Offer Underwriting Verified Partner

Import Property Listings & Generate Lender-Ready PDF Reports

Automatically pull rent comps, property taxes, and rehab estimates for any US address in 30 seconds.

Step 3: Asset Protection Verified Partner

Shield Your Personal Assets with a Dedicated Property LLC

Never hold investment real estate in your personal name. Set up a privacy-protected LLC with registered agent coverage.

Form Your Rental Property LLC Today →

Provider: Northwest Real Estate Holding LLC

🏛️ Official U.S. Government (.gov) Housing, Rent & Real Estate Tax References:
IRS.gov — Publication 527 Residential rental property depreciation (27.5 yrs) & expense rules ↗ HUD.gov — Fair Market Rents U.S. Dept. of Housing and Urban Development metropolitan rent data ↗ FHFA.gov — House Price Index Federal Housing Finance Agency state & metro valuation benchmarks ↗

Top 25 US Investment Cities — Cap Rate & DSCR Calculators

Austin, TX
Typ. Price: $430,000 • Rent: $3,350 →
Dallas-Fort Worth, TX
Typ. Price: $355,000 • Rent: $2,950 →
Houston, TX
Typ. Price: $310,000 • Rent: $2,680 →
San Antonio, TX
Typ. Price: $275,000 • Rent: $2,380 →
Tampa, FL
Typ. Price: $395,000 • Rent: $3,150 →
Orlando, FL
Typ. Price: $380,000 • Rent: $3,050 →
Jacksonville, FL
Typ. Price: $315,000 • Rent: $2,580 →
Miami, FL
Typ. Price: $560,000 • Rent: $4,450 →
Atlanta, GA
Typ. Price: $355,000 • Rent: $2,820 →
Charlotte, NC
Typ. Price: $365,000 • Rent: $2,850 →
Raleigh-Durham, NC
Typ. Price: $410,000 • Rent: $3,100 →
Nashville, TN
Typ. Price: $425,000 • Rent: $3,280 →
Phoenix, AZ
Typ. Price: $420,000 • Rent: $3,100 →
Las Vegas, NV
Typ. Price: $405,000 • Rent: $2,980 →
Columbus, OH
Typ. Price: $265,000 • Rent: $2,280 →
Cleveland, OH
Typ. Price: $185,000 • Rent: $1,780 →
Cincinnati, OH
Typ. Price: $245,000 • Rent: $2,120 →
Indianapolis, IN
Typ. Price: $240,000 • Rent: $2,080 →
Kansas City, MO
Typ. Price: $255,000 • Rent: $2,150 →
Huntsville, AL
Typ. Price: $285,000 • Rent: $2,320 →
Boise, ID
Typ. Price: $445,000 • Rent: $3,150 →
Denver, CO
Typ. Price: $535,000 • Rent: $3,750 →
Salt Lake City, UT
Typ. Price: $495,000 • Rent: $3,480 →
Pittsburgh, PA
Typ. Price: $220,000 • Rent: $1,950 →
Birmingham, AL
Typ. Price: $215,000 • Rent: $1,880 →

All 50 US States — Rental Cash-Flow & Property Tax Calculators

Alabama (AL)$1,850/moAlaska (AK)$2,650/moArizona (AZ)$2,850/moArkansas (AR)$1,750/moCalifornia (CA)$4,600/moColorado (CO)$3,450/moConnecticut (CT)$2,950/moDelaware (DE)$2,650/moFlorida (FL)$3,100/moGeorgia (GA)$2,550/moHawaii (HI)$4,900/moIdaho (ID)$2,750/moIllinois (IL)$2,450/moIndiana (IN)$1,980/moIowa (IA)$1,820/moKansas (KS)$1,900/moKentucky (KY)$1,850/moLouisiana (LA)$1,880/moMaine (ME)$2,700/moMaryland (MD)$2,950/moMassachusetts (MA)$3,950/moMichigan (MI)$2,050/moMinnesota (MN)$2,500/moMississippi (MS)$1,650/moMissouri (MO)$2,050/moMontana (MT)$2,800/moNebraska (NE)$2,100/moNevada (NV)$2,950/moNew Hampshire (NH)$3,150/moNew Jersey (NJ)$3,550/moNew Mexico (NM)$2,250/moNew York (NY)$3,450/moNorth Carolina (NC)$2,500/moNorth Dakota (ND)$2,050/moOhio (OH)$1,980/moOklahoma (OK)$1,820/moOregon (OR)$3,150/moPennsylvania (PA)$2,250/moRhode Island (RI)$3,100/moSouth Carolina (SC)$2,350/moSouth Dakota (SD)$2,200/moTennessee (TN)$2,480/moTexas (TX)$2,580/moUtah (UT)$3,250/moVermont (VT)$2,750/moVirginia (VA)$2,780/moWashington (WA)$3,650/moWest Virginia (WV)$1,580/moWisconsin (WI)$2,280/moWyoming (WY)$2,450/mo