Investor tools
Cash Flow Sensitivity
Rent and the interest rate are often the two numbers that decide whether a rental pays for itself. This grid shows monthly cash flow for each combination, so you can see where the deal turns negative.
The figures shown are example values. Replace them with your own; rates, taxes and insurance vary by lender, property and municipality.
Monthly cash flow with your inputs
$66
- Worst case in the grid
- −$589
- Best case in the grid
- $442
- Grid cells with negative cash flow
- 26 of 42
| Rent | 6% rate | 6.5% rate | 7% rate | 7.5% rate | 8% rate | 8.5% rate | 9% rate |
|---|---|---|---|---|---|---|---|
| $2,040 (-15%) | −$128 | −$201 | −$276 | −$352 | −$430 | −$509 | −$589 |
| $2,160 (-10%) | −$14 | −$87 | −$162 | −$238 | −$316 | −$395 | −$475 |
| $2,280 (-5%) | $100 | $27 | −$48 | −$124 | −$202 | −$281 | −$361 |
| $2,400 (0%) | $214 | $141 | $66 | −$10 | −$88 | −$167 | −$247 |
| $2,520 (+5%) | $328 | $255 | $180 | $104 | $26 | −$53 | −$133 |
| $2,640 (+10%) | $442 | $369 | $294 | $218 | $140 | $61 | −$19 |
How this is calculated
- Each cellRent after vacancy − operating expenses − mortgage payment at that rate
- $66
Other income moves with rent. Expenses that are a share of rent (maintenance) or of income (management) move with it too.
Estimates for information only, not loan offers, appraisals or tax advice. Every input is checked against a stated range, and the formulas are shown under “How this is calculated”. More tools: all investor tools.
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