Real Estate & Rental Income
Analyze a rental property's returns and see how passive rental income accelerates your path to FIRE by reducing the portfolio you need.
Property Details
$
20.0%
6.5%
$
$
3.0%
Your FIRE Context
$
$
$
5.5%
Cap Rate
NOI / price
-2.9%
Cash-on-Cash
cash flow / equity
13.3x
Gross Rent Mult.
price / annual rent
16.6%
Total ROI
cash+equity+apprec.
Monthly Cash Flow Breakdown
Gross Rent+$2,200/mo
Operating Expenses$600/mo
Net Operating Income+$1,600/mo
Mortgage (P+I)$1,770/mo
Monthly Cash Flow$-170/mo
30-Year Equity Growth
Property equity (value − mortgage) + cumulative cash flow over time
Monthly Rent Growth (2% rent appreciation)
How to Read the Metrics
Cap Rate
≥8% — Great deal
6-8% — Good
<6% — Weak returns
Cash-on-Cash
≥10% — Excellent
5-10% — Solid
<5% — Low cash yield
Gross Rent Mult.
≤10x — Great buy
10-15x — OK
>15x — Overpriced