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Investment Property Calculator

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Investment property calculator to estimate the expenses and profits generated from rental income. The rental income calculator is useful for any investors that are looking into investing in real estate.

Rental Income Calculator

Purchase Price $
Take Loan?
Down Payment %
Interest Rate %
Loan Term Years
Closing Cost
Needs Repair
Repair Cost
Property Value after Repairs

Estimated Operating Expenses

Annual Annual Increase Rate
Property Tax $ %
Property Insurance $ %
Maintenance $ %
Other Cost $ %

Property Income

Annual Increase Rate
Monthly Rent $ %
Other Monthly Income (parking, garage rental, etc.) $ %
Vacancy Rate %

Estimated Selling

Do you know the sell price?
Sell Price
Estimated Property Value Appreciation % per year
Holding Period years
Cost to Sell %


Total Profit when sell the property:
Monthly Mortgage Payment:
Total Mortgage Payment:
Total Property Tax:
Total Rental Income:
Total Operating Expenses:
Total Net Operating Income:

Rental Property Calculator

Rental Property Calculator has options to calculate operating expenses, property income, and home appreciation value.

What is an investment property?

An investment property is a property that you buy with the sole purpose of making a profit instead of as a primary residence. Investment properties could be an apartment, single-family, multi-family, commercial building, or an entire apartment. There are many ways investors use to invest in retail estate properties, buy and hold properties for appreciation, lease as a rental property, fix and flip houses. Some real estate investors use the rental property as an income generator to generate passive income. Others use rental properties to host Airbnb and run it as a business.

How to invest in property?

To invest successfully in real estate, one must start with how to purchase properties that have the potential to go up in value. There are many factors that impact the value of a property, here are a few of them.

  • Location - location is the single most important factor in real estate to determine whether a property is a good target as an investment property. Properties that are near public transportation, parks, convenience stores, good school districts, and low crime rates are the best targets as an investment or rental property. These properties are in higher demand than the ones that are located in bad neighborhoods, and of course, they are more costly and require more capital and down payment.

  • House Design - Does the house look the same as any other house on the same block or is it unique. Unique houses are not necessarily better because the buyer pool is much smaller. Most people just want to live in a house that has similar designs as the others. For unique designs, you may need to find unique buyers. Therefore, the best investment property to invest in is houses that are very similar to others in the same neighborhood, and stay away from houses that have a unique design unless you are planning to live in the house.

  • Flood Zone - Is the house located in a flood zone? Nobody likes floods in their homes, and the home insurance is higher for houses in the flood zone.

  • Pool - Avoid houses that have a pool. Although a pool is something nice to have, it does come with higher costs in home insurance. If you are not planning to buy the property as your primary residence, why bother with all the maintenance headaches that come with a poo.

Experience is required to make profits from investment properties, it is recommended that one start small with the aim to go big as they gain more experience.

How to finance investment property?

To invest in a property, one must leverage the bank to help them buy a property. In other words, you need to get a loan from the bank or other lenders. The interest rate for investment properties is higher than a primary residence. You need to know what kind of strategies that you will be using, how much of a down payment have you saved, what kind of credit score you have, and what type of house you can afford. There are other financing options that one can use such as Fix-and-Flip loans, home equity loans, cash-out refinance loans from your personal property. In any case, remember to evaluate the risk and reward before making a decision. Taking out a loan or equity against your personal property may get you in trouble if you fail to make payments when something unplanned happens. Always save some money as backup funding, so you don't run into troubles down the road.

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