Base assumptions
$193/ month
Monthly cash flow · before income tax
Uses the values you entered.
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Rental scenario tool
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These calculations are illustrations, not projected returns.
Downside example
-$180/ month
Monthly cash shortfall · before income tax
Rent −10%, vacancy +5 percentage points (capped at 100%), operating expenses +10%.
Initial cash modeled $67,500Down payment $62,500 + closing $5,000
| Measure | Base | Downside |
|---|---|---|
| Scheduled rental income | $26,400 | $23,760 |
| Vacancy allowance deducted | $1,320 | $2,376 |
| Effective rental income | $25,080 | $21,384 |
| Operating expenses deducted | $7,800 | $8,580 |
| Net operating income (NOI) | $17,280 | $12,804 |
| Principal + interest deducted | $14,969 | $14,969 |
| Cash flow before income tax | $2,311 | -$2,165 |
| Debt service coverage (DSCR) | 1.15× | 0.86× |
| Cash-on-cash | 3.4% | -3.2% |
How the model works
Effective income is annual rent less the vacancy allowance. NOI is effective income less operating expenses. Cash flow is NOI less annual principal and interest payments.
DSCR is NOI divided by annual debt service. Cash-on-cash is annual cash flow divided by the down payment plus closing costs. Ratios are unavailable when their denominator is zero or too small to produce a finite value.
The downside example changes only rent, vacancy and operating expenses. Purchase price, financing and closing costs remain the same. A negative cash flow indicates a cash shortfall.
This simplified model excludes appreciation, sale proceeds, income taxes, depreciation, capital work, replacement reserves and financing fees not included in closing costs. Budget for those separately. Cash flow is shown before separate reserves; NOI does not deduct them. This is an educational illustration, not an investment offer or a forecast.
Your private comparison
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Your comparison starts with one scenario.
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Every saved scenario uses the same model above. Downside: rent −10%, vacancy +5 percentage points capped at 100%, operating expenses +10%. Initial cash is down payment plus closing costs; it is unchanged in the downside. NOI excludes debt service, income taxes and separate reserves. DSCR is N/A when there is no debt service or the ratio cannot be finite.
The model excludes appreciation, sale proceeds, income taxes, depreciation, capital work, replacement reserves and financing fees not included in closing costs. These are educational comparisons, not forecasts or investment offers.