Rental Property ROI Calculator
Easily estimate your rental returns. Use this Rental Property ROI Calculator to break down cash flow, expenses, mortgage costs, and overall ROI so you can see whether a property is a smart investment before you buy.
Simple Rental ROI Calculator
Enter the details below to estimate cash flow, profit, and ROI for a financed rental property.
Annual Expenses
Understanding the Rental Property ROI Calculator
The calculator above gives you a quick way to see your immediate annual cash flow. It’s meant to help you spot whether a rental might lose money each year once you account for taxes, insurance, HOA fees, and your mortgage. That way, you know you’re not digging yourself into a hole before you even begin.
But smart investors also look beyond just cash flow. Here are the other benefits to keep in mind:
Home Appreciation: Even if a property only breaks even on cash flow, rising values can make it a strong long-term play. That $250K home might be worth $300K+ in just a few years.
Tenant Pays the Loan: Your renter is essentially buying the house for you. Each monthly payment builds your equity, even if profits look slim today.
Tax Benefits: Write-offs for interest, insurance, depreciation, and repairs can make the numbers much better after taxes.
Leverage: With a small down payment, you’re controlling a much larger asset. Since the rent and appreciation are based on the full value of the property, even a modest profit can translate into a 6–10% return on the cash you invested.
So while the calculator shows you the raw math of today, the bigger picture includes long-term growth, equity, and tax advantages — the very reasons many investors still choose to buy rentals in Southwest Florida.
Trusted by Home Buyers and Investors in SWFL
As a Southwest Florida local, I know which neighborhoods attract steady rental demand and long-term growth. Whether you’re looking for cash-flowing rentals, seasonal income, or properties with strong appreciation potential, I’ll help you make decisions with confidence. My goal is to connect you with opportunities that perform on paper — and in real life.
Gina Calamari
13:17 27 Nov 24
Shelby Tompkins was absolutely amazing. Before we even went looking at places for me, we met at Starbucks and she listened - LISTENED - and took notes - as to what I wanted in a home. She appreciated that I had a specific goal and budget and that I didn't want to waste her time. With my check-list in hand, we set out a few days later with a few properties that exactly fit my criteria, and by the end of the day I had put an offer in on my dream property. The negotiation went smoothly and Shelby was so helpful with handling all the closing issues as it was all a bit overwhelming for me. By far, it was the most stress-free home purchase I'd ever done. Not only would I, and do I recommend Shelby to anyone in need of selling or looking for real estate, if I ever decide to move on from where I am, I will absolutely use her services!! - Gina C.
Yaya Rod
01:10 27 Nov 24
As a new agent, it is very important to me to be surrounded by knowledgeable, honest and professional people such as Shelby. She is my go-to person for any questions or clarifications I may have and explains everything thoroughly . I learn a lot from her interactions with her clients and I can see that she has a built a great rapport as they trust her to get the job done. I am extremely lucky to have found someone as organized and trustworthy to be my mentor. Thank you Shelby for all your support and encouragement!
Arielle Yeatter
18:27 26 Nov 24
I’ve had the pleasure of working with Shelby Tompkins for over 10 years, and I can confidently say she’s one of the best in the business. Her extensive knowledge of the Southwest Florida market is unmatched, making every buying or selling experience smooth and stress-free. Shelby always goes above and beyond to ensure her clients are 100% satisfied, consistently exceeding expectations with her dedication and expertise. Her professionalism, responsiveness, and personalized approach set her apart from the rest. If you’re looking for a realtor who truly cares and delivers exceptional results, Shelby is the one to call!
Kevin Karnes
16:26 26 Nov 24
Shelby is an incredible real estate agent. She is professional, attentive, and knows the market amazingly well. Shelby has an incredible personality and is agent that I completely trust. If you are looking for a communicative, personable, honest, and experienced agent, Shelby is the person you are looking for. At the end of the process, you'll not only end up with the home of your dreams, you'll likely make a friend in the process. Shelby - thank you for everything.
Kristen Kerans
19:02 08 May 22
Shelby made the process of selling our home and building our new home seamless. From the first meeting with Shelby, we knew we were in good hands. Her years of experience and bubbly personality made her a joy to work with. We never felt pressured into any decisions and she was always up front with us every step of the way. We will definely call on Shelby for any of our real estate needs in the future.
SWFL Real Estate
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