Look Beyond the Asking Price
Compare opportunities with realistic operating costs. Explore property types, local communities and your investment strategy with guidance from Sabatino Campilii, REALTOR®.
Estimate annual net operating income, capitalization rate, cash flow and cash-on-cash return.
Account for property taxes, insurance, HOA/CDD fees, maintenance, vacancies and management.
Research Gulf Coast communities, property options and investment considerations.
Gross Yield vs. Cap Rate
A property's gross rental yield can look attractive before expenses. Its capitalization rate reflects operating costs such as taxes, insurance, HOA/CDD, maintenance and management. These estimates update when you edit the calculator below.
Scheduled annual rent divided by purchase price, before vacancy or expenses.
Net operating income divided by purchase price; excludes mortgage payments.
Important: A cap rate is not your cash-on-cash return. Financing costs and the cash you invest affect your actual cash flow. All figures are MODEL estimates based on your entries, not live MLS or rental market statistics.
Investment Property Calculator
Change any input to recalculate the estimates instantly. The initial numbers are examples, not market data or a property quote.
Estimate Your Investment
All monetary amounts are in U.S. dollars. Enter annual expenses unless indicated otherwise.
Illustrative projections only, not guaranteed returns. Excludes appreciation, tax benefits, income taxes, sale costs, special assessments and unexpected capital expenditures. Actual mortgage terms, property taxes, flood/wind coverage, rental restrictions and local requirements must be verified independently. NOI excludes debt service; cash flow includes estimated mortgage payments. Consult appropriate licensed professionals for financial, tax and legal advice.
Four Checks Before You Invest
Coastal property ownership requires more than a rental-income estimate. Verify these items for the exact address before relying on a projection.
Wind & Flood Insurance
Request property-specific quotes and review flood zones, deductibles, roof age and coverage exclusions. An average insurance rate is not a quote.
HOA, Condo & CDD Costs
Check assessments, association budgets, reserves, special assessments and any CDD charges. Costs may change after purchase.
Rental Restrictions
Confirm city/county rules, condo documents, HOA lease minimums, registration requirements and any restrictions on short-term rentals.
Taxes & Maintenance
Estimate taxes after the purchase rather than relying only on the seller's tax bill. Budget for repairs, vacancy and major replacements.
For 1031 exchanges, legal structure, timing and eligibility should be reviewed with a qualified intermediary and tax adviser.
Communities Worth Understanding
Location, insurance, rental regulations and property characteristics can change an investment’s economics.