Investment Property Analyzer

Cap Rate, DSCR, and Cash Flow in seconds

This tool is for educational purposes only and does not constitute financial advice. Consult a licensed lender or financial advisor before making any financial decisions.

Property Type

Investor Origin

Purchase Price

$50,000$3,000,000

Gross Monthly Rent

$500/mo$20,000/mo

Vacancy Rate

0%30%

Monthly Operating Expenses

$0/mo$5,000/mo

Down Payment (%)

20%60%

Interest Rate (%)

5.000%15.000%

Loan Term

DSCR0.869

Cap Rate7.06%

Monthly Cash Flow-$310/mo

Net Operating Income$24,720/yr

Gross Rent Multiplier10.4

Monthly Debt Service$2,370/mo

⚠️

This property does not cash flow — here is what needs to change:

💵Minimum Rent for Break-Even

$3,127/moCurrent: $2,800/mo — gap: +$327/mo

📊Rent for DSCR 1

$3,127/moLenders require DSCR ≥ 1

💰Max Expenses for Break-Even

$290/moReduce operating costs to reach zero cash flow

🏦Increase Down Payment

Try 30–40% downLower debt service → improved DSCR

DSCR Analysis

Below Min (1)

Gross Rent$2,800/mo

Effective Gross$2,660/mo

NOI$2,060/mo

Debt Service$2,370/mo

0.01 (Min qualify)1.25 (Best rates)2.0

Monthly Income & Expense Breakdown

Gross Rental Income+$2,800/mo

Vacancy (5%)-$140/mo

Effective Gross Income+$2,660/mo

Operating Expenses-$600/mo

Net Operating Income (NOI)+$2,060/mo

Mortgage (P+I+T+I)-$2,370/mo

Monthly Cash Flow-$310/mo