Rental Property ROI Calculator — Excel Spreadsheet for Real Estate Investors

Sample Calculation — $280,000 Investment Property LIVE PREVIEW

Purchase Price

$280,000

Down Payment

$70,000 (25%)

Monthly Rent

$2,400

Annual Expenses

$14,400

Cash-on-Cash Return

11.2%

✓ Above 8% threshold — Solid deal

Cap Rate

7.8%

✓ Good for mid-market rental

1.31

DSCR

$7,200

NOI / Yr

$1,200

Cash Flow / Mo

30 yrs

Amortization

B+ Deal

Strong positive cash flow. Positive leverage achievable.

What's Included in the Template

📊 ROI & Cap Rate Calculation

Instantly calculates cash-on-cash return, cap rate, gross rent multiplier, and equity buildup from your inputs.

📅 5-Year Projection Table

Projects income, expenses, cash flow, and equity over 5 years with annual appreciation assumptions.

🏦 DSCR Calculator

Debt service coverage ratio — the key metric lenders use to approve investment property loans.

✅ Automatic Deal Grading

Each deal gets an A+ to F grade based on cash flow, DSCR, and cap rate benchmarks.

🖨️ Lender-Ready Print View

One-page printout summarizes the entire deal — perfect for presenting to lenders or partners.

📐 Deal Killer Flags

Red flags appear automatically when DSCR < 1.2 or cash-on-cash < 5% — don't present bad deals.

Template vs. Online Calculators

Feature	Online Calculators	This Template
Save & compare multiple deals	✗	✓ Unlimited deals
5-year cash flow projections	✓ Some	✓ Full table
DSCR calculation	✗	✓ Automatic
Lender-ready one-page summary	✗	✓ Print view
Works offline (no internet needed)	✗	✓ Always
Automatic deal grade (A+ to F)	✗	✓ Built-in

Frequently Asked Questions

What is a good ROI for a rental property?

Most real estate investors target 8–12% cash-on-cash return. Cap rates of 6–10% are typical depending on market. Properties with DSCR above 1.25 are considered lender-friendly. Our template grades deals automatically against these benchmarks.

Does this work with Google Sheets?

Yes. The Excel (.xlsx) file opens and functions fully in Google Sheets, LibreOffice Calc, and Apple Numbers. All formulas are compatible.

How is cash-on-cash return calculated?

Cash-on-cash = (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100. Total cash invested includes down payment, closing costs, and any renovation costs. Our template calculates this automatically from your inputs.

Can I use this for commercial properties?

The rental ROI template is designed for 1–4 unit residential properties. For commercial properties (5+ units), use our separate Commercial Investment Property Calculator template.

Is there a guarantee?

Yes — 30-day money-back guarantee, no questions asked. If the template doesn't work for your use case, email us and we'll refund you.