Calculadora de Flujo de Caja de Propiedad — Fórmula

Property Cash Flow Analysis

Cash flow is the money remaining after all property expenses are paid from rental income. Positive cash flow means the property pays for itself and generates a profit.

Formula

Monthly Cash Flow = Effective Rental Income - Total Monthly Expenses

Where:

  • Effective Rental Income = Gross Rent x (1 - Vacancy Rate)
  • Total Expenses = Mortgage + Taxes + Insurance + Maintenance + Management

    • Why Cash Flow Matters

  • Positive cash flow protects against unexpected expenses
  • Negative cash flow means you subsidize the property each month
  • Most investors target at least $100-$200 per unit per month
  • Cash flow does not include equity buildup or appreciation, which are separate returns

    • Ejemplo Resuelto

    A rental property earns $2,800/month with 5% vacancy, $1,400 mortgage, $250 taxes, $120 insurance, $200 maintenance, and no management fee.

    1. Effective monthly income: $2,800 x (1 - 0.05) = $2,660
    2. Total expenses: $1,400 + $250 + $120 + $200 + $0 = $1,970
    3. Monthly cash flow: $2,660 - $1,970 = $690
    4. Annual cash flow: $690 x 12 = $8,280
    5. Expense ratio: $1,970 / $2,660 = 74.1%