A little exploration. A clearer picture.
See how a rental works.
Start with a fictional $300,000 rental. Change three assumptions and watch the monthly cash flow take shape.
An educational example—not a real listing, market average or loan quote. No sign-in needed.
Make a small change
Three choices. One rental.
Move a slider to explore. Your choices combine; everything else stays as listed below.
Financing stays fixed: 20% down · 6.5% interest · 30 years. The dollar loan amount follows the price.
Follow the money
Monthly pre-tax cash remaining
$255.04
The starting example
- Scheduled rent$3,000.00
- Vacancy allowance−$150.00
- Operating costs−$928.00
- Capital reserve−$150.00
- Loan payment−$1,516.96
- Cash remaining$255.04
The final bar starts at zero. A minus sign means a shortfall, not cash you can take out.
The connection
What changed?
This is the starting example. Move one slider to see what changes, then combine your choices.
See the assumptions & exact breakdownRead-only · Year 1
This is one fictional, one-unit rental. Dollar costs do not automatically rise with the price. Percentage costs follow their stated income basis. There is no appreciation or sale-profit projection here.
Purchase & financing
- Purchase price
- $300,000
- Down payment · 20%
- $60,000
- Loan amount
- $240,000
- Fixed rate / term
- 6.5% / 30 years
- Closing costs
- $6,000
- Initial repairs
- $4,000
- Initial cash invested
- $70,000
Income & annual costs
- Scheduled rent / month
- $3,000
- Vacancy allowance
- 5%
- Property taxes
- $3,600
- Insurance
- $1,800
- Owner-paid utilities
- $1,200
- Maintenance
- 5% of scheduled rent
- Management
- 8% of collected rent
- Capital reserve
- 5% of scheduled rent
Other income, homeowners association fees, other operating costs, mortgage insurance, other financing costs and other upfront costs are all $0.
Operating costs
Keep the property running.
Capital reserve
Set money aside for replacements.
Loan payment
Pay principal and interest.
| Stage | Amount | Cash left |
|---|---|---|
| Scheduled rent | $3,000.00 | $3,000.00 |
| Vacancy allowance | -$150.00 | $2,850.00 |
| Operating costs | -$928.00 | $1,922.00 |
| Capital reserve | -$150.00 | $1,772.00 |
| Loan payment | -$1,516.96 | $255.04 |
| Cash remaining | $255.04 | $255.04 |
These are pre-tax estimates, not guarantees. Explore the methodology
Ready to use your own numbers?
This demo stays temporary. Your drafts and saved analyses are untouched.