Rental Property Cash Flow Analyzer Spreadsheet
Real Estate Investment Calculator
View on Etsy- Excel + Google Sheets
- Instant download
Know if a rental property makes money before you buy it.
This spreadsheet turns the numbers from a listing into the answers investors and lenders look at: monthly cash flow, cap rate, cash-on-cash return, DSCR, the 1% rule, break-even occupancy, a 10-year projection and your IRR if you sell. Compare up to 3 properties side by side.
WORKS FOR
- Single-family homes, condos and small multifamily (duplex, triplex, fourplex)
- House hacking: living in one unit and renting the others (the guide shows how to enter it)
- FHA or conventional loans with mortgage insurance (PMI)
HOW IT WORKS
- Type your numbers in the yellow cells: price, down payment, interest rate, rent, taxes, insurance, HOA, repairs, management. Not sure what to enter? Common starting points are shown next to most cells.
- The Analysis tab calculates everything for you. Green means money in your pocket, red means money out.
- Pick a property on the Projection tab to see income, expenses, cash flow, loan balance and equity for each year until you sell (up to 10 years), plus your total profit and IRR when you sell.
WHAT YOU GET
- Excel file (.xlsx), tested in Microsoft Excel for Windows
- Google Sheets version: a PDF with a link to make your own copy (use this one on a Mac or Chromebook if you do not have Excel)
- Start Here tab with step-by-step instructions and plain-English meaning of every ratio
- 3 example properties to show how it works (replace them with your own numbers)
GOOD TO KNOW
- Made for a computer screen: the sheets are wide, and it has not been tested on a tablet or phone.
- This is a digital download. Nothing will be shipped.
- Amounts are in US dollars.
- Results are before income tax. Depreciation and tax savings are not included.
- Only the yellow cells can be changed, so the formulas are hard to break by accident.
- For education and planning only. This is not financial, tax, legal or investment advice. Check your numbers with a qualified professional before you buy.
- For personal use. Please do not resell or share the file.
- Real estate agent? The Rental Property Analyzer for Real Estate Agents in our shop has the same calculations, plus branded client reports and a commercial license.
ABOUT THIS TEMPLATE
Designed by SlateTally with the help of AI tools. Every result was checked in Microsoft Excel against an independent calculation, including unusual inputs such as a 0% interest rate or 100% vacancy. The Google Sheets version was checked cell by cell against the Excel file.
Questions? Send a message – happy to help.
