One Study decision-preparation calculator

Estimate property cash flow, debt coverage, and return metrics.

Estimate income, debt payment, operating cost, vacancy reserve, NOI, cash flow, cap rate, DSCR, and break-even occupancy for planning review.

Use this calculator

Calculator

Enter the planning inputs.

Formula: Cash Flow = Effective Gross Income - Operating Expenses - Mortgage Payment. Start with effective gross income, subtract operating expenses and reserves to estimate NOI, then subtract mortgage principal and interest to estimate monthly cash flow.

Result

Enter the figures you know. The result will keep the main calculation and its operating context together.

Real Estate Cash Flow Planner

Review income, loan payment, reserves, and investment metrics.

Use this deeper section for long-term rentals, short-term rentals, commercial spaces, industrial spaces, parking, restaurant spaces, and property management review. It starts blank and keeps the calculation on this page only.

Property type and income strategy

Use the income inputs that match the property strategy you want to review.

Financing and fixed monthly costs

Operating costs and reserves

Income

Effective gross income

Enter inputs

Debt

Mortgage payment

Enter inputs

NOI

Monthly NOI

Enter inputs

Cash Flow

Monthly cash flow

Enter inputs

Add inputs to review cash-flow pressure.

Annual

Annual cash flow

Enter inputs

Return

Cash-on-cash

Enter inputs

Investment metrics and expense breakdown

Total operating expensesEnter inputs
Annual NOIEnter inputs
Cap rateEnter inputs
DSCREnter inputs
Break-even occupancyEnter inputs
Loan amountEnter inputs
Management feeEnter inputs
Vacancy reserveEnter inputs
Taxes and insuranceEnter inputs
Maintenance and utilitiesEnter inputs
Service and other costsEnter inputs
Income basisChoose strategy

Planning insights

Calculate the estimate to see cash flow, debt coverage, reserve, and occupancy prompts.

Reading the result

Read debt coverage, reserves, and operating cash together.

This estimate helps a property operator see monthly pressure, debt coverage, reserve assumptions, and investment return prompts before reviewing requests, notices, maintenance, resident communication, and operating records.

Before you act

Occupancy, tax, legal, financing, and maintenance outcomes are outside the estimate.

It does not guarantee occupancy, rent collection, nightly demand, appreciation, financing terms, legal compliance, tax treatment, or maintenance needs.

Related work

Related engagement system

CasaRentals

Resident communication, maintenance requests, notices, documents, and property follow-up.

Related Tools

FAQ

Questions this tool helps frame.

Should vacancy reserve be included?

Yes, when you want a more practical planning estimate. Vacancy can affect actual cash flow even when rent looks strong.

Is this a tax or legal calculation?

No. It is a planning calculator and should not be treated as tax, legal, accounting, or investment advice.

How does this connect to CasaRentals?

CasaRentals supports requests, notices, documents, updates, communication, and property operations.

Working notes

Keep the formula with the assumptions.

  • Cash Flow = Effective Gross Income - Operating Expenses - Mortgage PaymentStart with effective gross income, subtract operating expenses and reserves to estimate NOI, then subtract mortgage principal and interest to estimate monthly cash flow.
  • Update the result when the record changesSupplier terms, sales, stock, costs, timing, and channel deductions can change the result materially.
  • Continue the operating reviewCasaRentals
  • Check the connected numbersCash Flow Calculator, Business ROI Calculator.
  • Prepare the non-financial questionsOpportunity Review Assessment.

Talk with One Study

Bring the inputs, assumptions, result, and what remains unresolved.

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