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Rental Property Mortgage Calculator

Planning to invest in real estate? The Rental Property Mortgage Calculator helps you estimate your monthly loan payments, potential rental income, and overall profitability—so you can make smart, data-driven investment decisions with confidence.



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What is Rental Property Mortgage Calculator

The Rental Property Mortgage Calculator is a financial tool specifically designed for real estate investors who are considering purchasing income-generating properties. Unlike standard mortgage calculators, this tool incorporates rental income projections, property expenses, and financing details to give a clear picture of expected cash flow and mortgage obligations.

It’s ideal for landlords, investors, and buyers looking to purchase single-family homes, condos, or multi-unit properties for rental purposes. Whether you’re assessing your return on investment (ROI), cash-on-cash return, or monthly profitability, this calculator helps you evaluate whether a rental property makes financial sense before you buy.




How it works

Rental Property Mortgage Calculator Works

To use the calculator, you input details like the property purchase price, expected down payment, loan amount, interest rate, and loan term. You’ll also add rental income estimates and monthly expenses such as property taxes, insurance, HOA fees, maintenance costs, and vacancy rates. The calculator then estimates your monthly mortgage payment and subtracts operating expenses to calculate your monthly cash flow.

In addition, it may show your debt service coverage ratio (DSCR)—a key metric lenders use when evaluating rental property loans—and help you understand how much rental income is needed to cover the mortgage and generate profit. By breaking down income and expenses, this tool gives you a realistic view of your investment performance and whether the rental property will produce positive cash flow.



Frequently Asked Questions

Why use a rental property mortgage calculator instead of a regular one Toggle
Because it includes rental income and operating expenses, giving a complete view of your cash flow and investment performance—not just your loan payment.
What’s considered a good cash flow for a rental property Toggle
A positive cash flow is ideal. Many investors aim for at least ₹2,000–₹5,000 per month, depending on location and property size
Does the calculator include taxes and insurance Toggle
Yes, you can input estimated property taxes and homeowners insurance to get a more accurate monthly cost breakdown.
What is a good debt service coverage ratio (DSCR) Toggle
Most lenders prefer a DSCR of 1.25 or higher, meaning your rental income should be at least 25% higher than your monthly mortgage obligation
Can this calculator help with multi-unit properties Toggle
Yes. You can input total rental income from all units and average expenses to assess overall cash flow for duplexes, triplexes, or apartment buildings.