Rental Property Investment Analyzer

This tool projects the financial performance of a buy-and-hold rental property. Enter the purchase price, down payment, closing costs and mortgage terms alongside expected rent, vacancy, property tax, insurance, HOA fees, maintenance and management costs, then set growth assumptions for rent, expenses and appreciation over your chosen holding period. It's built for anyone comparing a specific rental listing against their own return targets, whether that's a first investment property or an addition to an existing portfolio.

Under the hood, the mortgage is amortized month by month using the standard fixed-rate payment formula, then rolled up into annual totals. Each year's rent, other income and expenses are grown by your chosen percentages before vacancy loss, management fees and debt service are subtracted to get net cash flow. At the end of the holding period the tool assumes a sale at the appreciated value, deducts selling costs and the remaining loan balance, and combines that with the cash collected along the way to solve for an internal rate of return using a bisection search on the resulting cash flow series.

Every figure here is a projection built from assumptions you control, not a guarantee. The model uses a fixed-rate loan, applies growth rates smoothly rather than in the lumpy, unpredictable way real rents and costs actually move, and does not account for income tax, depreciation recapture, refinancing, major one-off capital events, or local rules on rent increases. Treat the output as a starting point for your own due diligence, not a substitute for a lender's or accountant's numbers.