Calculadora de Fluxo de Caixa do Imóvel
Calcule o fluxo de caixa mensal e anual de propriedades de investimento.
Fluxo de Caixa Mensal
$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: - 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
Exemplo Resolvido
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%
Perguntas Frequentes
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.