Investment property calculator — Florida
Florida investors often weigh insurance and storm risk alongside rent and tourism-driven demand. Default rent inputs reflect HUD FMR data—align assumptions with carrier quotes and local landlord rules before committing. Same math as the national Investment property calculator; numbers are educational—not lender instructions.
Calculator
Investment Property Calculator
Adjust assumptions quickly, keep the main KPIs visible, and jump into deeper analysis when you are ready.
Loan amount $240,000 · payment $1,597/mo
Cash flow
-$682
Cap rate
3.66%
DSCR
0.57
Cash-on-cash
-13.63%
Core assumptions
Start with price, rent, and expenses. Financing assumptions stay available when you want a deeper read.
Live result
Loan amount $240,000 · payment $1,597/mo
Cash flow
-$682
Cap rate
3.66%
DSCR
0.57
Below 1.0 is tighter
Cash-on-cash
-13.63%
Monthly cash flow
-$682
Investment Property Calculator
Enter assumptions to preview monthly cash flow, cap rate, DSCR, and cash-on-cash return.
Monthly cash flow
-$682
Cap rate
3.66%
DSCR
0.57
Below 1.0 is tighter
Cash-on-cash
-13.63%
Loan amount $240,000 · payment $1,597/mo
Frequently asked questions
- How do you calculate rental property cash flow?
- Cash flow is monthly rent minus monthly expenses and debt service, adjusted for vacancy assumptions.
- What is a good DSCR for rental property?
- A DSCR above 1.0 generally means NOI covers debt service. Many investors target 1.20 or higher for safety.
- Can I save calculator results?
- This calculator does not store your session. A free account lets you save deals in the deal analyzer and track properties in your portfolio—you enter assumptions there.
- Does this include hurricane or flood insurance?
- No. Add expected insurance and reserves in your expense inputs. The calculator does not model hazard zones or carrier requirements for you.
Real estate investing in Florida
Real estate investing in Florida
Wind and flood coverage can move total housing cost more than in many inland markets. Short-term rental rules vary by city—confirm legality and fees separately from this tool.
- Typical 2BR rent
- ~$1,700/mo
- Effective property tax
- ~0.91% of home value
- State income tax
- No state income tax
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for Florida: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator