Rental Yield & Mortgage Coverage

Savings & Wealth

Use the Rental Property Yield and Mortgage Coverage Calculator

Estimate rental yield, net operating income, cash flow, capitalization rate, cash-on-cash return, mortgage coverage, and the loan schedule.

Policy-aware Accessible PDF and Excel

NOI and cash flow
Cap rate and cash-on-cash return
Mortgage DSCR and schedule

Before you calculate

Use achievable rent rather than best-case asking rent, and include recurring costs that remain the owner's responsibility. Test vacancy and maintenance stress scenarios before committing.

What this calculator covers

Inputs you can model

Currency
Property price
Down payment
Closing and acquisition costs
Mortgage annual interest rate %
Mortgage term
First mortgage payment date
Expected monthly gross rent
Vacancy and credit-loss rate %
Property-management rate %

Results you can review

Annual cash flow before tax
Debt-service coverage ratio
Net operating income
Capitalization rate
Gross rental yield
Cash-on-cash return
Monthly mortgage payment
Annual debt service
Effective annual rental income
Annual operating expenses

Method, policy basis, and limitations

How the estimate is built

The model reduces gross rent for vacancy, subtracts operating expenses to derive NOI, and compares NOI with annual mortgage debt service. Financing is amortized independently from property operations.

Important limitation

This is not an appraisal, investment recommendation, tax projection, or mortgage approval. Capital expenditure, income tax, depreciation, rent controls, legal costs, tenant defaults, appreciation, and sale proceeds are excluded.

Your inputs

Enter the values you know. Required fields should be completed first, and optional fields can be left blank if they do not apply to your situation.

Preparing your input checklist Visible required fields are checked as you complete them.

Purchase and financing

Start with the purchase price, cash contribution, financing terms, and one-time acquisition costs.

Currency Required

Property price Required Accepted range: 0 to 1,000,000,000,000.

Down payment Required Accepted range: 0 to 1,000,000,000,000.

Closing and acquisition costs Required Accepted range: 0 to 1,000,000,000,000.

Mortgage annual interest rate % Required Accepted range: 0 to 100.

Mortgage term Required Enter the term in years. Accepted range: 1 to 50.

First mortgage payment date Optional Optional. Adds repayment dates to the amortization schedule.

Rental income

Use sustainable contracted or market rent and a realistic vacancy allowance.

Expected monthly gross rent Required Accepted range: 0 to 100,000,000,000.

Vacancy and credit-loss rate % Required Accepted range: 0 to 100.

Annual operating expenses

Enter property expenses before mortgage principal and interest. Management is calculated from effective rental income.

Property-management rate % Required Accepted range: 0 to 100.

Property tax Required Accepted range: 0 to 100,000,000,000.

Insurance Required Accepted range: 0 to 100,000,000,000.

Maintenance and repairs Required Accepted range: 0 to 100,000,000,000.

Association or strata fees Required Accepted range: 0 to 100,000,000,000.

Other operating expenses Required Accepted range: 0 to 100,000,000,000.

Calculating and validating policy inputs...

Your decision view will appear here

Run the calculator to see the planning signal, key measures, reconciliation detail, and any schedules or stress scenarios returned for these inputs.

Your results

The top cards show the most important answers first. Detailed schedules, scenario tables, and supporting notes appear underneath for deeper review.

Planning estimate

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