Free rental property calculator

Austin Rental Property Cash Flow & ROI Calculator

Austin investors often balance strong rents against higher purchase prices. Texas property taxes materially affect net yield, so include them in every cash-flow estimate.

Your assumptions

Property inputs

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Adjust any figure. Your yield, cap rate, and cash flow update immediately.

Advanced underwriting assumptions

Add vacancy, management, reserves and acquisition costs for a more conservative estimate.

Investment snapshot

Your estimated returns

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Gross rental yield

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Annual rent ÷ purchase price

Net rental yield

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After tax, insurance & HOA

Cap rate

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Net operating income ÷ price

Estimated mortgage payment

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Monthly principal and interest

Net operating income

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Annual income before debt service

Cash-on-cash return

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Annual cash flow ÷ cash invested

DSCR

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NOI ÷ annual debt service

Break-even occupancy

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Occupancy needed to cover costs

Total cash invested

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Down payment, closing and repairs

Monthly net cash flow

+$0

Positive cash flow

After vacancy, operating costs, reserves and mortgage debt service.

Annual cash flow$0
Annual operating expenses$0

Planning estimate only. Verify actual taxes, insurance, financing, rents, vacancy and property condition before making an investment decision.

Local investor guide

How to read this Austin, TX rental estimate

Start with the rent-to-price relationship before you debate financing. Gross yield is a quick screen, while net yield and cap rate show what remains after operating costs.

For the benchmark assumptions on this page, Austin, TX has a purchase price of $450,000 and monthly rent of $2,400. That is approximately a 6.40% gross rental yield before expenses. The 1.80% tax assumption represents roughly $8,100 per year before insurance, HOA, maintenance, vacancy, management, and financing. Treat these numbers as a starting point, not a valuation.

Texas investors should pay particular attention to county appraisal changes, property-tax protests, wind or hail coverage, and rising insurance premiums. Get an insurance quote and the current tax record for the specific address. If the property is financed, include closing costs, lender escrows, reserves, and required repairs in your cash invested.

For a deeper explanation of how taxes flow through operating income, read the property-tax guide. Then compare the result with Houston calculator, Dallas calculator, San Antonio calculator and revisit the assumptions whenever rent, taxes, or insurance changes.

Before you make an offer

  • Run a base case, a higher-expense case, and a lower-rent case.
  • Separate recurring operating expenses from one-time renovation costs.
  • Read the rental yield vs. cap rate guide before comparing deals.
  • Use the cash-flow walkthrough to check vacancy, reserves, and debt service.