Закуп Имот Калкулатор

Great starter rental in a suburban neighborhood

Let's say you buy a cozy suburban home for $200,000 with a 20% down payment ($40,000). If you rent it out for $1,800 a month and your operating expenses (taxes, insurance, maintenance) are around $600/month, your Net Operating Income (NOI) is $14,400 a year. Dividing that NOI by the $200,000 purchase price gives you a Cap Rate of 7.2%. After paying your monthly mortgage of about $850, you walk away with a comfortable $350 in pure monthly cash flow!

Excellent multi-family starter scenario

Imagine buying a duplex for $350,000, putting 20% down ($70,000), and renting out both sides for a total of $2,800 a month. With operating expenses estimated at $800/month, your annual Net Operating Income is $24,000, yielding a solid 6.8% Cap Rate. Once you pay your monthly mortgage of roughly $1,450, you are left with $550 in monthly cash flow. This is a fantastic house-hacking setup.

Lower-risk, lower-effort rental option

You spot a small, low-maintenance condo for $150,000. Putting down $30,000, you rent it for $1,300. Because condo associations charge monthly HOA fees, your operating expenses are a bit higher at $600/month. This leaves your annual Net Operating Income at $8,400 (a 5.6% Cap Rate). After your $550 monthly mortgage payment, you net $150 in cash flow each month.

High-end property with lower immediate yields

You look at a beautiful, high-end home in a trendy city neighborhood for $500,000. You put down $100,000 and charge $3,200 in rent. High-end properties often have lower yields: with $1,200 in monthly expenses, your annual NOI is $24,000 (a 4.8% Cap Rate). However, because your mortgage on the remaining $400,000 is about $2,100, your total monthly expenses ($3,300) exceed your rent. You end up with a negative cash flow of -$100/month, showing why running the numbers is so important.

When the property needs a massive upfront renovation

If you are buying a fixer-upper, your initial cash investment is much higher than just the down payment. You need to add the entire renovation budget to your 'total cash invested' field. Skipping this step will artificially inflate your Cash-on-Cash Return, making a money pit look like a goldmine.

Buying in an area with soaring property taxes

In hot real estate markets, local governments often reassess property values right after a sale. This means the seller's historical property tax bill might be much lower than what you will actually pay. Always estimate your taxes based on the new purchase price, not what the previous owner paid.

Renting to family members at a discount

If you plan to rent to a relative at a 'family rate,' your cash flow will look very different. While this is a wonderful personal gesture, make sure to run the numbers at both the discounted rate and the market rate. This helps you understand exactly how much of a monthly financial subsidy you are gifting.