Investment Property Calculator
Analyze cash flow, cap rate, and payoff time for investment properties.
Property Details
Summary
Enter loan details and select Calculate to see results.
Recent Investment Calculations
No calculations yet. Complete a calculation to see it here.
Notes
Use lease type and expense settings to model tenant-paid costs. Toggle rent growth and surplus paydown to compare long-term payoff outcomes.
CredOCalc estimates NOI, cap rate, and DSCR using the inputs you provide. Compare rent growth scenarios to understand long-term cash flow and payoff impact.
Key Metrics Explained
NOI
Net operating income equals rent minus owner-paid operating expenses.
Cap rate
Cap rate is NOI divided by purchase price. It measures unlevered yield.
DSCR
Debt service coverage ratio compares NOI to annual debt payments.
Cash flow
Cash flow is rent minus expenses and mortgage payment, before taxes.
How We Calculate
We use standard amortization for the loan and straightforward rent/expense modeling for cash flow.
- Loan payment is derived from APR, term, and principal.
- NOI = rent − owner-paid expenses.
- DSCR = NOI ÷ annual debt service.
- Optional surplus paydown reduces principal faster.
FAQ
What is cap rate?
Cap rate is NOI divided by the purchase price. It measures the property’s unlevered return.
How is cash flow calculated?
Cash flow is rent minus owner-paid expenses and the mortgage payment. Positive surplus can be applied to principal if enabled.
Estimates only. Interest calculations assume standard amortization, fixed rate, and constant payments. Expenses and rent are user-provided inputs. This tool is not financial, legal, or tax advice.