Rental Property Investment Calculator

Summary metrics

Monthly cash flow

—

base case

Gross cap rate

—

NOI ÷ price

Cash-on-cash

—

yr 1 return

Gross rent mult.

—

price ÷ ann. rent

Break-even rent

—

per unit/mo

Down payment

—

cash to close

PMI required

—

if down < 20%

⚙ Inputs

Purchase price$325,000

Rent per unit/mo$1,250

Units2

Down payment %20% = $65,000

Interest rate7.00%

Annual appreciation4.0%

Vacancy rate8%

Mgmt fee8%

$ Monthly cash flow

Financing scenarios — click to apply

Scenario A

10% down

△ PMI required

Scenario B · Rec.

20% down

Scenario C

25% down

Scenario D · Hack

House hack

△ PMI required

↗ Projection

📅 Appreciation table

Year	Value	Equity	Rent/unit

✓ Strengths

Prime location — Duke, NCCU, RTP
Two income streams, duplex structure
No HOA fees
Below Durham median price ($448K)
8.66% avg annual appreciation (10yr)
House hack potential
Depreciation + tax deductions

⚠ Risks

1930 vintage — aging systems
Negative cash flow at current rents
On-street parking only
Small 0.1-acre lot
Owner pays all utilities — verify
Rate environment elevated (7%)
Two-tenant management complexity

★ Verdict

B+

Moderate buy

Appreciation-led thesis

Day-1 cash flow—

Best scenarioHouse hack (D)

10-yr target—

Rec. down payment20–25%

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Enter an address — Claude researches the listing, estimates local rents, and calculates full investment metrics.

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