Calcolatore Flusso di Cassa Immobiliare
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Flusso di Cassa Mensile
$690.00
Monthly Cash Flow vs Monthly Rental Income
Formula
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:
Why Cash Flow Matters
Esempio Risolto
A rental property earns $2,800/month with 5% vacancy, $1,400 mortgage, $250 taxes, $120 insurance, $200 maintenance, and no management fee.
- 01Effective monthly income: $2,800 x (1 - 0.05) = $2,660
- 02Total expenses: $1,400 + $250 + $120 + $200 + $0 = $1,970
- 03Monthly cash flow: $2,660 - $1,970 = $690
- 04Annual cash flow: $690 x 12 = $8,280
- 05Expense ratio: $1,970 / $2,660 = 74.1%
Domande Frequenti
What is a good cash flow per rental unit?
Many investors aim for at least $100 to $200 per unit per month after all expenses, including vacancy and maintenance reserves. In expensive markets, even breaking even on cash flow may be acceptable if appreciation is strong.
Should I include capital expenditures in cash flow?
The maintenance reserve line should cover routine repairs. For major capital expenditures like a roof or HVAC, many investors set aside an additional 5-10% of gross rent in a separate CapEx reserve, which would reduce cash flow further.
How does vacancy rate affect cash flow?
Vacancy directly reduces your effective income. A 5% vacancy rate on a $2,800 rent means losing $140/month or $1,680/year. In areas with high turnover, use 8-10% vacancy to be conservative.