Keyword focus: investment property mortgage calculator
Investment Property Mortgage Calculator
Balance rent, expenses, and financing terms to understand cash flow before you buy.
Plan your investment
Adjust loan terms, vacancy rate, and expenses to stress-test your rental projections.
Rental properties succeed when the numbers work. Use this guide to evaluate income, expenses, and long-term returns so your next deal fits your strategy.
What to review
- Incorporate rental income and vacancy assumptions when calculating affordability.
- Compare fixed and adjustable rates to match your hold period.
- Plan for maintenance, management, and capital expenditures.
Quick tips
- Use conservative rent estimates
- Budget for at least one vacant month per year unless you have long-term leases locked in.
- Track cash-on-cash return
- Divide annual cash flow by your cash invested to measure performance alongside appreciation.
- Mind lending requirements
- Investment loans often require higher credit scores and down payments. Adjust the calculator to reflect those lender expectations.
Common questions
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Can I include projected rent increases?
Yes. Update the monthly rent input annually and compare the schedule to track income and cost changes across years.
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How much down payment do investors need?
Expect 20-25% down. The calculator lets you model higher down payments to see how they improve cash flow and lower risk.
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Do lenders allow short-term rental income?
Some do, but underwriting rules vary. Use conservative occupancy and pricing assumptions to keep projections realistic.