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AI rental cash-flow screen

Cash Flow Calculator for Real Estate Investors

Real estate cash flow is the monthly difference between rental income and the costs of owning the property. Real AI State estimates the number and explains whether the assumptions look strong, weak, or worth deeper review.

Run a free property reportSee sample investor output
Cash flowCap rateDSCRRent rangeRisk notes
RentIncome
MortgageDebt
ExpensesOperating
Cash flowMonthly
RiskNotes
OutputSummary

What cash flow includes

Income

Start with market rent or actual rent and adjust for vacancy.

Debt

Include principal and interest based on loan amount, rate, and term.

Operating expenses

Include taxes, insurance, maintenance, management, HOA, and other recurring costs.

Example cash-flow result

Quick math

  • Estimated rent: $2,810/month
  • Estimated mortgage: $3,040/month
  • Operating expenses and vacancy reduce NOI further.

AI summary

The property may have strong marketing value, but at the estimated value and financing assumptions it screens weak as a rental because monthly costs exceed rent.

Before and after cash-flow screening

Before

The house looks nice and rent might be around $2,800. Should I buy it?

After

Debt service and expenses create negative cash flow under current assumptions. Verify rent, negotiate price, change financing, or pass.

Good uses for the calculator

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FAQ

How do you calculate rental property cash flow?

Subtract mortgage payment, taxes, insurance, vacancy, maintenance, management, HOA, and other expenses from monthly rental income.

What is good cash flow for a rental property?

It depends on market, price, financing, risk, and investor goals. Positive cash flow with a margin of safety is generally stronger than thin or negative cash flow.

Can AI calculate cash flow accurately?

AI can help organize assumptions and explain the math, but the result is only as good as the rent, expense, financing, repair, and property data entered.

Screen one property free

Paste one address into Real AI State and get a first-pass investor screen plus listing copy, flyer bullets, rent/risk notes, and a plain-English property summary.

Run a free property reportView the sample report