Data-Driven NOI Forecasts
Model gross scheduled rent, other income, leasing costs, and debt service to see clean NOI, DSCR, cap rate, and cash-on-cash return numbers you can paste into lender packages.
⚠️ Important Disclaimer
This calculator is for informational and educational purposes only. Results are projections and do not guarantee future performance.
Click to read full disclaimer
Not Financial Advice: This calculator provides estimates based on your inputs and should not be considered financial, investment, tax, or legal advice. Results are projections only.
Consult Professionals: Before making any real estate investment decision, consult with qualified professionals including real estate attorneys, CPAs, financial advisors, property inspectors, and mortgage lenders.
Investment Risks: Real estate investment involves substantial risk. Actual results may vary significantly due to market fluctuations, unexpected repairs, problem tenants, vacancies, property damage, and changes in laws or regulations.
Tax Implications Not Included: This calculator shows pre-tax cash flow and does NOT account for tax benefits (depreciation, deductions) or liabilities. Consult a qualified CPA for tax planning.
Property-Specific Factors: Every property and market is unique. This calculator cannot account for specific property condition, location, neighborhood characteristics, local market dynamics, or future developments.
Your Responsibility: You are solely responsible for verifying all information, conducting thorough due diligence, assessing your own risk tolerance, and making final investment decisions.
Use at Your Own Risk: By using this calculator, you acknowledge these limitations. The creators accept no liability for losses or damages resulting from use of this tool or reliance on its outputs.
📊 Key Assumptions
- Property Appreciation: 3% annual appreciation assumed for equity projections. Actual appreciation varies by market.
- Rent Growth: Static rent amounts used. In reality, rents typically increase 2-4% annually.
- Fixed-Rate Mortgage: Calculations assume fixed-rate financing. ARM loans have variable rates.
- Tax Benefits: Pre-tax cash flow shown. Real estate offers significant tax advantages through depreciation and deductions.
- CapEx Reserves: Critical to set aside money for major replacements (roof, HVAC, water heater, appliances).
- Property Management: Fees calculated on collected rent (Effective Gross Income), not gross scheduled rent.
Why Landlords Trust Our Long-Term Rental ROI Calculator
This page is engineered for intent-driven searches like “long term rental ROI calculator,” “landlord cash flow calculator,” and “cap rate calculator.” Every field mirrors the terminology lenders, property managers, and BRRRR investors use daily so Google, Bing, and AI answer boxes instantly understand the topic.
Share-Ready Outputs
One click copies a deep-link URL, a native share card, or an embed snippet so you can publish ROI breakdowns inside newsletters, investor pitch decks, and social posts.
Authority-Building Content
Methodology, assumptions, and FAQs on this page give crawlers 1,000+ words of topical authority about landlord math—helping the calculator rank for long-tail questions.
- 3-minute workflowFrom purchase price to DSCR analysis in under 10 clicks.
- Viral-ready exportsNative share, copy-link, and embed mirror the mortgage & Airbnb tools.
- SEO topical mapTargets landlord keywords: cap rate, NOI, DSCR, cash-on-cash return, vacancy assumptions, and lender requirements.
Boost Discoverability With Keyword-Rich Resources
Internal links and related calculators keep visitors on-site and signal relevance across the entire Simple Finance Calculators network. Reference these tools in blog posts, Reddit AMAs, BiggerPockets threads, or YouTube video descriptions to earn backlinks.
Mortgage Payment Calculator
Rent vs Buy Analyzer
Airbnb & Short-Term Rental ROI
About Simple Finance Calculators
Linking out to these pillar calculators helps crawlers understand that this page is part of a broader real-estate decision toolkit, improving indexation velocity and topical authority.
Investor Playbook: From Offer to Viral Long-Term Rental Story
- Collect comps & expenses. Pull MLS or Zillow rent comps, county tax data, insurance quotes, and property management bids. Add them to the calculator inputs.
- Stress test debt service. Adjust down payment, rate, or term to see DSCR impacts and identify the leverage point that keeps lenders comfortable.
- Create a shareable ROI snapshot. Use the Share button to copy a link or embed so partners, capital-raising newsletters, or TikTok followers see the same numbers.
- Capture leads & backlinks. Embed the calculator on your blog or investor portal; credit Simple Finance Calculators to align with the site’s canonical URL.
This framework keeps the page sticky for users and informative for search systems—driving more impressions for “landlord ROI calculator”, “long term rental cash flow”, and similar phrases.
Plan Your Long-Term Rental ROI Before You Buy
The Long-Term Rental ROI calculator models monthly rent, landlord expenses, and debt service so you can see realistic cash-on-cash returns before submitting an offer. Compare multiple addresses, pressure-test property management scenarios, and understand how reserves change your NOI.
- Use real rent comps: pull active listings, renewal offers, or MLS history to estimate achievable rent and turnover expectations.
- Capture every expense: include taxes, insurance, reserves, utilities, leasing commissions, and management so NOI isn't inflated.
- Know the cash you need: add renovation and closing costs to your down payment to see a true cash-on-cash return.
Long-Term Rental ROI Calculator FAQs
How accurate are the long-term rental ROI results?
Accuracy depends on your assumptions. Using up-to-date rent comps and verified expense data provides the closest projections.
Can I include property management and leasing commissions?
Yes. Enter the percentages in the rental income section and the calculator automatically deducts them before NOI and cash flow are computed.
Does the calculator handle reserves or capital expenditures?
Add annual reserves to the maintenance or miscellaneous fields so big-ticket repairs are baked into the ROI calculation.
Does it include taxes or depreciation?
No. This tool focuses on pre-tax cash flow. Partner with your CPA to evaluate depreciation, passive loss limits, and other tax impacts.
How can I share these rental projections with partners?
Use the Share button above the analysis section to copy a link, trigger native sharing, or grab an embed code that keeps the ROI card and chart intact.
Which metrics matter most to lenders?
Lenders typically want DSCR above 1.20x, steady cash-on-cash returns, and realistic vacancy or expense assumptions. This calculator displays all of those metrics in one report.