Enter the price, rent, and expenses. Get cap rate, cash-on-cash, DSCR, and monthly cash flow instantly — plus a straight read on whether the deal actually works. No sign-up.
Lender DSCR = gross rent ÷ PITIA (principal, interest, taxes, insurance, HOA) — the ratio DSCR lenders use to qualify the loan; our walk-away floor is 1.20. Net DSCR = NOI ÷ principal & interest, after vacancy, management and a maintenance/CapEx reserve — the conservative check.
Illustrative estimate for education only — not investment advice or a guarantee of returns.
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Straight answers to the questions investors ask before running a deal.
A rental is generally a good deal when it produces positive monthly cash flow after all expenses, a cap rate at or above local norms (often 6–8%), and a DSCR of at least 1.20. Enter the price, expected rent, and expenses above and the analyzer returns cap rate, cash-on-cash return, DSCR, and monthly cash flow instantly — with a plain-English verdict.
DSCR (debt-service-coverage ratio) measures whether a property's net operating income covers its loan payments. A DSCR of 1.00 means income exactly equals the mortgage; most lenders and investors want 1.20 or higher for a margin of safety. Triad Global's rule is to walk away from any deal below 1.20 DSCR.
Cap rate equals a property's annual net operating income divided by its purchase price, as a percentage. It estimates the unleveraged annual return. For example, $12,000 of net operating income on a $150,000 purchase is an 8% cap rate.
Monthly cash flow equals gross rent minus all operating expenses (taxes, insurance, maintenance, vacancy, management) minus the mortgage payment. Positive cash flow means the property pays you each month after every cost is covered.
Yes — completely free, no sign-up. Analyze any U.S. address and get cap rate, cash-on-cash return, DSCR, and monthly cash flow in seconds.