sfrcalc.comPurchase
$
$
Financing
%
%
yrs
$/mo
Rental income (other units)
$
%
$
Operating expenses
$
$
$
%
%
Your monthly housing cost
$0
Total PITI
$0
Rental income received
$0
If fully rented, cash flow
$0
Cash-on-cash (fully rented)
0%
| Principal & interest | |
| Property taxes | |
| Insurance | |
| HOA | |
| PMI | |
| Total PITI | |
| Rental income (net of vacancy) | |
| Maintenance & CapEx on rented units | |
| Your net housing cost |
| Down payment | |
| Closing costs | |
| Total cash needed | |
| Rent equivalent if renting elsewhere | |
| Monthly savings vs. renting |
"Your net housing cost" is total PITI plus maintenance/CapEx on the rented units, minus rental income — a negative number means the property pays you to live there. "If fully rented" models the scenario where you eventually move out and rent your own unit at its fair market rate too, useful for judging the property as a long-term investment.
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