LCLandlord Calculus
FREE RENTAL PROPERTY ANALYSIS

Know the numbers
before you buy.

Fast, transparent rental-property math for landlords and real-estate investors. No signup. No spreadsheet. No nonsense.

✓ Free to use✓ No account required✓ Live projections
FLAGSHIP TOOL

Rental Property Deal Analyzer

Single-family or multifamily: enter the deal once and see the metrics that matter.

Detailed landlord-paid operating expenses Utilities, grounds, services & more

Enter only expenses paid by the property owner. Per-unit utilities are automatically multiplied by the number of units; leave tenant-paid items at $0.

GROSS SCHEDULED RENT
ESTIMATED MONTHLY CASH FLOW— annually
PRICE / UNIT
RENT / UNIT
GROSS RENT
EFFECTIVE GROSS INCOME
OPERATING EXPENSES
EXPENSE RATIO
OPEX / UNIT
OPEX / MONTH
NOI
NOI / UNIT
CAP RATE
DSCR
MORTGAGE P&I
ANNUAL DEBT SERVICE
CASH FLOW / UNIT
CASH-ON-CASH
CASH REQUIRED
CLOSING COST EST.

Estimates only. Results depend on the assumptions entered and are not a guarantee of future performance.

LONG-TERM VIEW

30-Year Investment Projection

See how income, expenses, debt paydown and estimated property value interact over time.

RENT-TO-PRICEMonthly base rent ÷ purchase price
GROSS RENT MULTIPLIERPrice ÷ annual base rent
BREAK-EVEN OCCUPANCYApprox. occupancy needed to cover expenses + debt
YEAR-10 EST. EQUITYProjected appreciation value less remaining loan balance
Annual Cash FlowProjected pre-tax cash flow by year
Property Valuation vs. DebtAppreciation value, NOI ÷ market cap rate, and remaining loan balance
Principal vs. InterestAnnual mortgage payment split over the loan term
Cumulative Cash Flow / PaybackStarts with Year 0 initial cash invested, then adds projected annual cash flow
Hold-period snapshotsYear 0 shows acquisition cash invested. Income approach value is projected NOI ÷ the selected market cap rate.
YearCash FlowNOIAppreciation ValueIncome Approach ValueLoan BalanceEquityCumulative Cash FlowNet Sale Proceeds

Projection model: Year 0 reflects initial cash invested (down payment, closing costs and up-front repairs) rather than operating NOI. Income and expenses then grow at the rates above; mortgage payments follow the entered amortization. Appreciation value compounds at the appreciation assumption; income approach value equals projected NOI divided by the selected market / exit cap rate. Taxes on sale, depreciation, tax benefits and transaction-specific financing are not modeled.

FREE TOOLS

Landlord calculators

Choose a tool and get the answer without creating an account.

TRANSPARENT MATH

Know what the numbers mean.

NOI

Effective rental income minus operating expenses, before mortgage principal and interest.

Cap Rate

Annual net operating income divided by property purchase price.

Cash-on-Cash

Annual pre-tax cash flow divided by the initial cash invested in the deal.

DSCR

Net operating income divided by annual principal-and-interest debt service.