Configure your deal and run analysis
Set inputs on the left, choose loan types & DP range,
then click Run Analysis to see scenarios ranked by IRR.
Free Rental Property Analyzer
Rental Analyst is a free rental property analysis tool that models the full multi-year economics of any income property. Enter a purchase price, rent, and financing terms — and instantly see cash-on-cash return and annualized CAGR (total return including equity) swept across every possible down payment from 5% to 100%.
What you can analyze
- Long-term rentals — 30yr, 15yr, or ARM financing; itemized or ratio-based expenses; PMI auto-cancel; depreciation tax shield.
- Short-term rentals — Airbnb-style underwriting with occupancy rate, platform fee, and nightly rate inputs.
- Multifamily properties — DSCR-based underwriting, per-unit rent modeling, and commercial loan analysis.
Key metrics calculated
- Cash-on-cash return — Average annual after-tax cash flow divided by cash invested.
- Annualized total return (CAGR) — IRR including equity build-up at sale, net of closing costs and taxes.
- Break-even analysis — Which down payments produce positive cash flow vs. negative carry.
No sign-up required. All calculations run locally in your browser. Live 30-year mortgage rates are pulled from the Federal Reserve (FRED) data series.