Run the numbers on a rental property.
Four calculators that show their work. Each one lays the arithmetic out the way an operating statement does, so you can see where a number came from and check it against your own figures — not just read an answer off a box.
- Cap rateNOI ÷ property valueWhat the property yields before any financing. The number you compare one building against another with.
- DSCRincome ÷ debt obligationWhether the rent covers the loan, calculated both ways lenders actually do it — because the two give different answers.
- Cash-on-cash returnannual cash flow ÷ cash investedWhat your own money earns in the first year, after the mortgage.
- 1031 exchangerealized gain, boot, deferralHow much gain defers, how much is taxable boot, and the two deadlines you cannot miss.
What these calculators will not tell you
They will not tell you whether a cap rate is good. There is no universal answer to that — a cap rate is a local measurement, set by what comparable buildings in the same submarket trade at, and a low one can mean an expensive property or a safe one.
They will not tell you the minimum DSCR your lender wants either. Published minimums vary by loan type and by program, and single-family DSCR loan products set their own and move them with the rate environment. Enter the figure your lender quoted and the calculator will measure against that.
Where a number here comes from somewhere else — a tax rate, a statutory deadline — it carries its source and a date by which it gets re-checked. Where no defensible number exists, there is a field for yours instead of an invented benchmark.