Keep every landlord underwriting session grounded in NOI, cap rate, DSCR, and cash-on-cash return.
Introduction
Long-term rental deals carry dozens of moving parts: financing, maintenance, leasing fees, reserves, and vacancy. The Free Long-Term Rental ROI Calculator keeps everything organized by showing your monthly cash flow, NOI, cap rate, DSCR, and cash-on-cash return in one place. Instead of juggling spreadsheets, you can plug in assumptions, review the metrics investors care about, and share them instantly.
Below you will learn how to enter acquisition costs, dial in rent assumptions, and interpret the ROI cards so you know whether the property meets your buy box.
Steps to Model a Landlord Deal
Log acquisition and financing costs
Enter the purchase price, down payment percentage, closing costs, renovation budget, loan term, and interest rate. These numbers feed the loan amount, mortgage payment, and total cash invested that drive cash-on-cash return.
Enter rent and other income
Plug in monthly rent plus any additional revenue such as parking, pet rent, storage, or RUBS. Include realistic vacancy and leasing fees so the calculator nets them out of your NOI automatically.
Detail operating expenses
Fill out insurance, property taxes, HOA dues, repairs and maintenance, property management, reserves, and utilities you cover. The calculator aggregates these costs into NOI and DSCR, showing whether the property services its debt with a safe margin.
Review the ROI cards and scenarios
Click “Calculate” to view monthly cash flow, annual cash-on-cash return, cap rate, and DSCR. Use the “Copy Results” button to save conservative, base, and stretch scenarios in your pipeline tracker.
Share and Embed the Calculator
If you underwrite deals with partners or lenders, embed the Free Long-Term Rental ROI Calculator on your site or send a pre-filled link so everyone sees the same numbers. The share menu includes an iframe you can drop into deal memos, and each link preserves your assumptions, keeping collaboration frictionless.
Conclusion
Great landlord deals start with disciplined underwriting. Bookmark the Free Long-Term Rental ROI Calculator, revisit it whenever rents, rates, or expenses change, and share pre-filled links before you submit offers. With transparent NOI, cap rate, DSCR, and cash-on-cash calculations, you will know whether a property deserves a spot in your portfolio.