🏠 Real Estate Investment Calculator
Analyze your property investment potential
Whether you're a real estate investor, rental property owner, or real estate agent helping clients evaluate investment opportunities, this comprehensive property investment calculator will help you analyze potential returns and make data-driven decisions.
Property Details
Investment Metrics
How to Use This Real Estate Investment Calculator
Maximize Your Investment Property Returns
Dragonfly’s free investment property calculator instantly computes critical metrics that every real estate investor needs:
Monthly Cash Flow - See your net rental income after all expenses
Cash on Cash Return (CoC) - Calculate your annual return on invested capital
Capitalization Rate (Cap Rate) - Evaluate property value and investment potential
Mortgage Payments - Factor in your monthly loan payments with current interest rates
Vacancy Impact - Account for realistic vacancy rates in your rental property analysis
Step-by-Step Guide for Real Estate Investors
Property Purchase Information
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Enter the total acquisition cost of your investment property. This is the listing price or offer amount for the rental property you're evaluating.
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Input your down payment percentage (typically 15-25% for investment properties). Investment property loans usually require higher down payments than primary residences.
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Enter the current mortgage interest rate for investment properties. Investment property financing rates are typically 0.5-1% higher than owner-occupied rates.
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Select your mortgage term in years (usually 15 or 30 years). Shorter terms build equity faster but have higher monthly payments.
Rental Income Analysis
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Enter the expected monthly rental income for your investment property. Research comparable rentals in the area to determine market rent. Real estate investors should use conservative estimates based on actual market data.
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Factor in realistic vacancy periods. Most rental property markets average 5-10% vacancy. This accounts for tenant turnover, repairs, and time between renters.
Investment Property Expenses
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Enter yearly property taxes. Contact the local tax assessor or review the listing details. Property taxes vary significantly by location and affect your rental property returns.
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Include your landlord insurance premium. Investment property insurance is typically more expensive than homeowner's insurance.
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If applicable, enter monthly homeowners association fees. Condo investments and planned communities often have HOA costs that impact cash flow.
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Budget for ongoing repairs, landscaping, and property upkeep. Experienced rental property owners typically allocate 1-2% of property value annually or $100-300 monthly for maintenance reserves.
Understanding Your Investment Property Metrics
Tips for Real Estate Investors
Run Multiple Scenarios: Test different down payments, interest rates, and rent amounts to understand your investment's sensitivity.
Be Conservative: Use realistic rental income estimates and higher expense projections. Successful real estate investors plan for the unexpected.
Compare Properties: Use this rental property calculator to evaluate multiple investment opportunities side-by-side.
Factor in Appreciation: While this calculator focuses on cash flow, real estate investors should also consider potential property value appreciation in their total return analysis.
Consult Professionals: Work with experienced real estate agents, property managers, and tax advisors to refine your investment strategy.
Real Estate Investment Strategies
This calculator works for various investment property types:
Single-family rental homes
Multi-family properties (duplexes, triplexes, fourplexes)
Condo investments
Townhouse rentals
Small apartment buildings
Ready to Start Building Your Real Estate Portfolio?
Use this free investment property calculator to analyze potential deals, understand your returns, and make smarter real estate investment decisions. Whether you're buying your first rental property or expanding your existing portfolio, accurate financial analysis is essential for long-term success.
Real estate agents: Share this calculator with investor clients to help them evaluate properties and make confident purchase decisions.
This real estate investment calculator provides estimates for educational purposes. Consult with financial advisors, real estate professionals, and tax experts before making investment decisions.
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Positive Cash Flow means your rental income exceeds all expenses - the goal for most real estate investors seeking passive income.
Negative Cash Flow indicates expenses exceed income, which some investors accept for properties with strong appreciation potential.
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This real estate investing metric shows your annual return on actual cash invested (down payment). Most investors target 8-12% or higher. Compare this to stock market returns and other investment opportunities.
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The cap rate helps real estate investors compare properties and assess if the price is fair. Markets vary, but generally:
4-6% cap rate: Competitive, appreciating markets
7-9% cap rate: Moderate growth markets
10%+ cap rate: Higher risk or emerging markets