FREE INTERACTIVE TOOL
Analyze any rental deal in under a minute. Start with the rental property calculator.
Run a live listing through the numbers, see if it actually cash flows, then find out whether you can finance it under the 2026 rules. We loaded a sample deal so you can start playing right away.
Step 1 · The deal
Does this property make money?
Adjust the numbers to match the listing you're looking at. Everything updates instantly.
The purchase
Operating expenses
The verdict
Cash-flow positive
Cash flow
$0/mo
Cap rate
0.0%
Cash-on-cash
0.0%
Cash to close
$0
Educational estimate only. This is not an approval, a commitment or a personalised recommendation. Your actual payment, qualification, fees and penalties depend on the lender’s terms and on verified information. Talk to us before you act on these numbers.
Step 2 · The qualifying wall
A good deal you can't finance isn't a deal
Lenders add back a slice of your rent to help you qualify. But in 2026, when rent carries more than half your qualifying income, a new rule (IPRRE) can push your rate and down payment higher. Here's where this deal lands.
Step 3 · Advanced
Planning a BRRRR?
Buy, Rehab, Rent, Refinance, Repeat. See how much of your cash you'd recycle into the next deal.
Open the BRRRR simulator
Model the rehab, the refinance, and the capital you pull back out.
Assumptions carried from Step 1, adjust here if you're using this on its own.
Uses your purchase price, down payment, and rate from Step 1. Assumes you refinance into a new loan at your refinance LTV of the after-repair value.
Total cash in
$0
Pulled out at refi
$0
Cash left in deal
$0
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How this tool works
The method behind the investment numbers
This tool tests whether a rental property carries itself, and how sensitive that answer is to the assumptions underneath it.
How it is calculated
Effective rent − operating costs = net operating income
Net operating income − mortgage payment = cash flow
Operating costs mean property taxes, insurance, utilities you pay, maintenance, condo fees and property management if you use it. Leaving any of these out is the most common way a deal looks better on a spreadsheet than in a bank account.
The assumptions that decide the answer
- Vacancy. Assuming full occupancy every month is the single most optimistic input available.
- Maintenance. Older properties cost more than new ones, and an average across years is more honest than a good year.
- Rent used for qualifying. Lenders apply their own rental offset or addback rules, and the figure they use is often lower than the actual rent.
What this tool cannot tell you
- Whether you qualify. Investment property financing has its own down payment minimums and its own debt service treatment.
- Whether the property is a good buy. Cash flow is one input into that decision, not the decision.
- Your tax position. Rental income, expenses and capital treatment are questions for an accountant.
- Future returns. Nothing here forecasts appreciation, and no responsible tool would.
Educational estimate only, not an approval, a commitment, or investment or tax advice. Reviewed 30 August 2026 by Fusion Mortgage Group, a team of licensed mortgage brokers with BRX Mortgage Inc., Mortgage Brokerage #13463.
Next step
Run the deal past us before you write the offer.
The lab gets you to a workable number. We will tell you how a lender reads it, what they will count as rental income, and what it takes to qualify.
Want the full picture? Read our guide to investment properties