Western NY Rental Property Investment Calculator

Use this rental property investor calculator to estimate monthly cash flow, NOI, cap rate, cash-on-cash return, and DSCR. It’s built for real-world investing in Western New York where taxes, insurance, and maintenance can vary a lot by town and property type. If you want a second opinion on a deal, send me the address and I’ll run the numbers with you.

How to Use This Calculator

Start with monthly rent
Toggle taxes monthly or annual
Add insurance and utilities (don’t forget water/sewer if landlord-paid)
Adjust vacancy, maintenance, and CapEx to match the property
Click Copy Deal Summary to save it or send it to me

Rental Property Investor Calculator

Cap Rate, Cash-on-Cash, NOI, DSCR, cash flow (with tax monthly/annual toggle + water/sewer).

Inputs

Purchase Price ($) Rehab / Repairs ($) Closing Costs ($) Down Payment (%) Interest Rate (%) Loan Term (years) Monthly Rent ($) Other Monthly Income ($) Vacancy (%) Management (%) Maintenance (%) CapEx Reserve (%)

Property Taxes

Monthly Annual

Taxes (monthly $)

Use whichever is easier. The calculator converts it to a monthly tax expense automatically.

Insurance (monthly $) Utilities (monthly $) Water / Sewer (monthly $)

Percent-based items (management, maintenance, CapEx) are calculated off effective rental income after vacancy.

Results

Monthly Cash Flow

NOI (Annual)

Cap Rate

0.00%

Cash-on-Cash

0.00%

DSCR

0.00

Monthly P&I

Estimated Cash Needed (All-In)

Down payment + closing costs + rehab. (Doesn’t include lender reserves or points.)

Thinking about renovating and refinancing?

Use the BRRRR Calculator to estimate cash-in, refinance loan amount, potential cash-out, and post-refi cash flow.

Investor Calculator FAQ

What’s the difference between NOI and cash flow?
NOI is income after operating expenses, before the mortgage. Cash flow is what’s left after the mortgage.

What does DSCR mean?
DSCR compares NOI to the mortgage payment. Many lenders like 1.15+.

Does this include repairs and renovations?
This calculator is for the ongoing rental performance. Rehab and renovations are best handled with the BRRRR calculator.

Should I use monthly or annual taxes?
Use whichever you have. The calculator converts annual taxes into a monthly estimate automatically.

Estimates only. Actual expenses and loan terms vary by property condition, town, insurance quotes, and lender guidelines.