2026
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Rental Property ROI Calculator
20% of purchase price
Cash-on-cash return (Year 1)
0%
Annual cash flow relative to your down payment
Monthly Cash Flow
Rental income$0
Mortgage (P&I)-$0
Property tax-$0
Insurance-$0
Maintenance-$0
HOA-$0
Net cash flow$0
Annual Tax Impact
Depreciation deduction$0
Mortgage interest (Yr 1)$0
Total deductible expenses$0
Net rental income / (loss)$0
Tax savings from deductions$0
Cap Rate
0%
Gross Yield
0%
Net Yield
0%
Monthly Mortgage
$0
5-Year Projection
YearCash FlowEquityAppreciationCumulative
1$4,200$6,100$12,000$22,300
2$4,500$6,500$24,400$57,700
3$4,800$6,900$37,100$106,500
4$5,100$7,400$50,200$169,200
5$5,400$7,900$63,700$246,200
5-Year Projection
Cash flow, equity buildup, and appreciation
1031 Exchange Deferral
If you sell this property after 5 years, your estimated capital gains tax would be $28,500. A 1031 exchange could defer this entire amount by reinvesting into a like-kind property within 180 days.
1031 Exchange Analysis
Tax deferral value on future sale
Break-Even and S&P 500 Comparison
Break-Even Month
Month 18
S&P 500 (5yr, 10%)
$128,800
Break-Even & S&P 500 Comparison
When you break even and how it compares to index funds