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AUSTIN RATE & HOLDING-PERIOD DESK

See the income.
Keep the whole property in view.

Follow rent through vacancy, operating expenses, reserves and financing.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Investor & commercial

Rental cash-flow planner

Turn rent, vacancy, operating expenses and financing into a transparent income scenario.

Fine-tune the details 1 more assumptions +

These assumptions are part of the result even when this panel is closed. Review them for your situation.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Annual NOI before capital reserve$27,900
Monthly cash flow after reserve/debt$17
Modeled cash-on-cash %0.17%
NOI / debt service1.11×

No depreciation, income taxes, sale proceeds or guaranteed occupancy. Tax/insurance belong in operating costs once, not added again to debt service.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Rental cash-flow planner · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

Vacancy five points higher

Annual NOI before capital reserve

Current scenario$27,900
Changed assumption$25,800

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. NOI is before debt service and before the separately entered capital reserve.
  2. Cash flow deducts both the reserve and entered debt service. Do not count taxes/insurance twice.
  3. Cash-on-cash uses your entered invested cash; it does not include appreciation, sale proceeds or income taxes.
A GOOD QUESTION

Why can a property have positive NOI but negative cash flow?

Debt service and capital reserves are additional cash uses after NOI. Positive operating income alone does not mean the financed investment produces spendable cash.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Gross potential income less chosen vacancy and operating costs gives NOI. Subtract capital reserve and debt service for cash flow.

Before acting on the result

No depreciation, income taxes, sale proceeds or guaranteed occupancy. Tax/insurance belong in operating costs once, not added again to debt service.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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