Rental property comparison

• Add a property and enter its price, down payment, expected monthly rent, and monthly expenses.
• Monthly cash flow is rent minus the expenses you enter. Include all ongoing costs in that expense amount, including the mortgage payment.
• The table compares cash flow, annual cash flow as a percentage of the down payment, gross rental yield, and price per square foot.
• The score ranks the entered properties using fixed thresholds. It is an illustration, not a valuation or investment recommendation.

With monthly rent of $2,400 and entered expenses of $2,300, which include the mortgage payment, the tool shows $100 a month. Raise the expenses to $2,700 and it falls to minus $300. Costs omitted from the inputs are also omitted from the result.

• Rent and expenses stay at the amounts entered; vacancy and rent increases are not modeled separately.
• Financing costs, taxes, insurance, and maintenance must be included in the monthly expense input if you want them reflected in cash flow.
• Gross rental yield uses annual rent divided by purchase price, before expenses.
• The tool does not calculate a rent-versus-buy break-even year or investment returns on an unused down payment.

Finance Quest is educational. It is not financial advice, and no calculator here knows your full situation.

The comparison can only use the expenses you enter. A higher displayed cash flow may reflect missing costs rather than a better property. Apply the same expense assumptions to each property.

• MortgageEstimate payment, total interest, and amortization.
• Rental propertyCash flow, cap rate, and cash-on-cash with vacancy and upkeep counted.
• Compound interestModel long-term growth across contribution scenarios.