Rental Property ROI Calculator
Estimate multi-year rental-property ROI from cash flow, appreciation, selling costs and mortgage principal paydown.
Property breakdown
What this ROI model includes
This calculator combines several sources of potential return: ongoing cash flow, property appreciation and mortgage principal paydown. At the end of the holding period it estimates selling costs, repays the remaining mortgage and compares the resulting value with the initial cash invested.
Frequently asked questions
Does ROI include mortgage principal paydown?
Yes. The calculator amortizes the modeled mortgage through the holding period and includes remaining equity at sale.
Does it include taxes on sale?
No. Capital-gains taxes, depreciation recapture and other tax effects are excluded.
Why is annualized ROI approximate?
The model treats cumulative cash flow simply rather than timing every monthly cash flow for a full IRR calculation.
Rental-property calculations are estimates for screening and education, not investment, tax, lending or legal advice. Verify rents, expenses, financing and local conditions before making a decision.