Rental Property vs. Market Investment Calculator
A cleaner grouped-layout version of the rental property calculator.
Main Assumptions
Core purchase, financing, rent, timeline, and cash-flow strategy.
$187,500 cash into property
Monthly mortgage = $3,648
Break Even amount: $5,989
Rental property vs. market investment
Market Investment Result is ahead by $3,085,986 after 30 years.
Rental Expenses & Transaction Costs
Operating costs, taxes, closing costs, and sale costs.
$688 / month
$250 / month
$625 / month
$360 / month
$18,750
Investment & Growth Assumptions
Market alternative, appreciation, rent growth, and loss coverage.
Custom return
Index presets use approximate 30-year annualized historical total-return averages with dividends reinvested. They are planning assumptions, not forecasts.
Ownership cost summary
Today's monthly rent and expense waterfall for the rental property.
This is a current-month view. The full model still applies future rent growth, appreciation, and loan amortization.
Return Metrics
Supporting metrics from the rental property path.
About this rental property calculator
This rental property calculator compares the estimated profit from owning a rental property against investing the same starting cash in the market. It is designed for testing whether a potential rental purchase looks attractive after financing, expenses, and sale assumptions.
The model includes purchase price, down payment, mortgage rate, monthly rent, vacancy, property tax, insurance, maintenance, management, closing costs, selling costs, appreciation, rent growth, and market return assumptions.
How to interpret the result
The rental property result combines estimated equity after sale, cumulative cash flow, and reinvested positive cash flow. The market result estimates what the initial cash could become if invested instead.
What to verify
Review rent comps, vacancy expectations, repairs, capital reserves, property management fees, financing terms, local taxes, insurance, and transaction costs before making an offer.