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Deal Analyzer.

Underwrite a rental property in under two minutes. Enter your acquisition assumptions and income/expense estimates — the analyzer calculates cap rate, cash-on-cash return, NOI, monthly cash flow, and more.

Monthly Cash Flow

Cap Rate

Cash-on-Cash Return

Gross Rent Multiplier

NOI

Break-even Occupancy

Year-1 Total Return

Acquisition

$
%
%
yrs
%
Down payment: $162,500 · Loan: $487,500 · Closing costs: $16,250 · Total cash in: $178,750

Income

$
%
Effective gross income: $4,140/mo after 8% vacancy

Operating Expenses

%
$
$
$
$
Total monthly OpEx: $1,597 · Mgmt fee: $414/mo · Tax: $583/mo

Appreciation Assumption

%

Used only for total return calculation. Does not affect cash flow or cap rate.

Deal summary

Monthly Cash Flow

-$701

After debt service

Annual Cash Flow

-$8,408

Before taxes

Cap Rate

4.69%

NOI / Purchase price

Cash-on-Cash

-4.70%

Annual CF / Cash in

More metrics

Monthly P&I$3,243
Monthly NOI$2,543
Annual NOI$30,512
Gross Rent Multiplier (GRM)12.0×
Total Cash Invested$178,750
Break-even Occupancy107.57%
Year-1 Total Return*9.84%

*Year-1 total return = annual cash flow + 4% appreciation on purchase price, divided by total cash invested. Not a guarantee of performance. All figures are estimates — consult a CPA before investing.

How to read the results

Cap Rate

Net Operating Income divided by purchase price. Used to compare properties without financing. A 5–7% cap rate is typical for well-located Orlando rentals; waterfront and luxury properties often trade at 3–5% given appreciation expectations.

Cash-on-Cash Return

Annual cash flow after debt service divided by total cash invested (down payment + closing costs). This is your actual yield on the money you put in. A positive number means the property cash flows; a negative number means you're subsidizing monthly.

Gross Rent Multiplier (GRM)

Purchase price divided by annual gross rent. Lower is better — a GRM below 12 is generally considered favorable. Orlando STR properties in prime zones often trade at GRMs of 14–20 because buyers are pricing in appreciation, not just yield.

Break-even Occupancy

The minimum occupancy rate needed to cover all expenses including debt service. For STRs, compare this to the local occupancy data from AirDNA or VRBO market reports — you want significant margin above break-even.

Orlando benchmarks

Long-term rental cap rate (Dr. Phillips)4.5–6.5%
Long-term rental cap rate (Windermere)3.5–5.5%
STR gross yield (Kissimmee, STR zone)12–18%
STR occupancy, top operators65–75%
Avg property management fee8–12% of collected rent
Avg HOA, gated community$150–$600/mo
Property tax rate, Orange County≈1.0–1.2% of assessed value
Homeowner's insurance, luxury$200–$500/mo
Annual appreciation, Dr. Phillips (5yr avg)4–6%

Benchmarks are estimates based on market data as of Q2 2026. Individual properties vary. Verify with current market data.