Investment property calculator — Texas
Texas remains one of the busiest states for buy-and-hold and value-add strategies. Default rent inputs reflect Texas-typical rents from HUD Fair Market data—always verify taxes, insurance, and rents for your specific submarket. 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
-$1,014
Cap rate
2.33%
DSCR
0.36
Cash-on-cash
-20.28%
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
-$1,014
Cap rate
2.33%
DSCR
0.36
Below 1.0 is tighter
Cash-on-cash
-20.28%
Monthly cash flow
-$1,014
Investment Property Calculator
Enter assumptions to preview monthly cash flow, cap rate, DSCR, and cash-on-cash return.
Monthly cash flow
-$1,014
Cap rate
2.33%
DSCR
0.36
Below 1.0 is tighter
Cash-on-cash
-20.28%
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.
- Do Texas property taxes affect cash flow in this calculator?
- Yes—and they matter. Texas has no state income tax but property taxes are among the highest in the country. Default inputs start with HUD-based rent estimates; enter your expected annual property tax and insurance load in the expenses field to model real cash flow.
Real estate investing in Texas
Real estate investing in Texas
Property tax rates and insurance costs vary widely by county and carrier. Investors often underwrite with conservative rent growth and exit assumptions. Pair these estimates with local rent comps and lender guidelines before you offer.
- Typical 2BR rent
- ~$1,350/mo
- Effective property tax
- ~1.68% 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 Texas: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator