Rentalyzer: Long-Term Rental Calculator
Long-term rental analysis with accurate market rent estimates and comprehensive cash flow projections. Build sustainable wealth with traditional buy-and-hold strategies.
Market Rent Estimates
Accurate rent projections
Cash Flow Analysis
Cap rate & ROI projections
Demographics
Renter vs. owner ratios
Comparable Rentals
See similar properties nearby
Est. Monthly Rent
$2,463
Everything You Need for Rental Analysis
Make confident investment decisions with comprehensive rental property data
Market Rent Estimates
Accurate rental rates based on comparable properties in the area
Cash Flow Analysis
Monthly and annual cash flow projections with all expenses
Investment Metrics
Cap rate, ROI, cash-on-cash return calculations
Comparable Rentals
See similar rental properties with pricing and features
How the Long-Term Rental Calculator Works
Enter an address and Rentalyzer pulls the property details, estimates market rent from comparable rental listings nearby, and builds a full cash flow projection around your financing assumptions. You see monthly cash flow, cap rate, cash-on-cash return, and a 5-year outlook in one report, along with the comparable rentals behind the rent number.
Because the rent estimate comes from real comparables rather than a rule of thumb, you can defend the number when a deal gets serious. Adjust the down payment, rate, or expenses and the projections update, so you can stress test a deal before you write an offer. If you want to model a purchase by hand first, our free rental property calculator covers the same math with your own inputs, and the closing costs calculator helps you estimate the cash you need at the table.
A Worked Example
Take a 250,000 dollar single-family home that rents for 2,300 dollars a month, or 27,600 dollars a year. Assume operating expenses of 35 percent of rent, about 9,660 dollars, which covers taxes, insurance, maintenance, management, and vacancy. Net operating income is 17,940 dollars, a 7.2 percent cap rate.
With 20 percent down and a 200,000 dollar loan at 7 percent over 30 years, annual debt service runs about 15,970 dollars. That leaves roughly 1,970 dollars a year in cash flow, or about 164 dollars a month, and a cash-on-cash return near 3.4 percent on the roughly 57,500 dollars invested including closing costs. Rentalyzer runs this math for you with a rent estimate grounded in real comps. Planning to refinance after improving the property? Model the full cycle in our BRRRR calculator, and check your borrowing headroom with the DTI calculator.
Long-Term Rental Calculator FAQ
What is a good cash flow for a long-term rental?
Many investors target at least 100 to 200 dollars per month per unit after all expenses and debt service, but the right threshold depends on your market and strategy. Appreciation markets often trade lower cash flow for equity growth, while cash flow markets do the opposite. Run the numbers both ways before you set your floor.
How is cap rate different from cash-on-cash return?
Cap rate is net operating income divided by purchase price and ignores financing, which makes it useful for comparing properties to each other. Cash-on-cash return is annual cash flow after debt service divided by the cash you actually invested, which tells you what your own money earns once the loan is in place.
How does Rentalyzer estimate market rent?
Rentalyzer finds comparable rental listings near the subject property, scores them for similarity on beds, baths, size, and location, and estimates market rent from the closest matches. Every report shows the comparable rentals used, so you can sanity check the estimate instead of trusting a black box.
What expenses should I include in a long-term rental analysis?
Beyond the mortgage payment, include property taxes, insurance, maintenance, capital expenditure reserves, property management, vacancy, and any HOA dues or utilities you cover. Together these commonly run 35 to 50 percent of gross rent, which is why rent minus mortgage is never your real cash flow.
Start Analyzing Rental Properties Today
Get instant rental analysis with market rent estimates and cash flow projections