Faro Labs / Tools
Rental investment calculators
Free, transparent calculators for the numbers that decide a rental deal, returns, financing, and the rules of thumb, with every line shown, no sign-up. When you're ready for comps and a target offer price, paste a listing into Faro.
Cap rate calculator
What a property earns before financing. Net operating income over purchase price, with vacancy, reserves, and management included by default.
Cash flow ÷ cash inCash-on-cash return calculator
What your invested cash earns after the mortgage. Includes the amortization, DSCR, and a full cash-flow breakdown.
Rent − costs − loanCash flow calculator
What actually lands in your account each month. Rent minus vacancy, operating costs, reserves, and the mortgage, with cash flow per door.
EGI − operating costsNOI calculator
Net operating income built line by line: the figure cap rate, DSCR, and the income approach to value all start from.
Gross & net yieldRental yield calculator
Gross yield sells the deal, net yield is the one you live with. Both from the same inputs, with every expense that separates them.
Annualized total returnIRR calculator
The return that counts timing: cash in, rent along the way, and sale proceeds, solved to an annualized rate with the equity multiple beside it.
NOI ÷ cap rateProperty value calculator
Value a rental the way the market does: the income approach. Net operating income over the market cap rate, with a sensitivity table.
Price ÷ ft²Price per square foot calculator
Compare one home to the block around it: price over finished area, measured against what comparable homes get per foot.
Price ÷ annual rentGross rent multiplier calculator
The five-second screen: how many years of gross rent equal the price. Lower is better: a filter to sort a list before the real work.
Total return ÷ cash inRental ROI calculator
The whole return, not just the cash: cash flow plus loan paydown plus appreciation, over the money you invested: each source shown.
Revenue − STR costsAirbnb income calculator
Short-term rental net income from nightly rate and occupancy, after the much higher STR expenses gross revenue quietly hides.
NOI ÷ debt serviceDSCR calculator
The debt service coverage ratio a DSCR lender approves on: net operating income over the loan payment, with the amortization shown.
NOI ÷ loan amountDebt yield calculator
The commercial-lending floor that can't be gamed by rate or amortization: net operating income measured straight against the loan.
OpEx ÷ EGIOperating expense ratio calculator
What share of rent gets consumed running the property before the mortgage: the property's operating margin, in one number.
Vacant days ÷ totalVacancy rate calculator
Turn turnovers and days-empty into the vacancy percentage your underwriting needs, plus the economic vacancy physical counts miss.
PITI paymentMortgage calculator
Your true monthly payment, principal, interest, taxes, insurance, PMI, and HOA, plus total interest and a full amortization schedule.
Full payment scheduleLoan amortization calculator
Every year's principal, interest, and balance, and exactly what an extra monthly payment saves you in interest and years.
Savings & break-evenRefinance calculator
Compare your loan to a new rate and term. Monthly savings, lifetime interest, cash-out, and the month you break even on closing costs.
Balance × rate ÷ 12Interest-only calculator
The lower payment during the interest-only window, the step-up waiting after it, and what the structure costs in total interest.
Cost ÷ monthly savingMortgage points calculator
Buying down the rate is prepaying interest. See the monthly savings, the break-even month, and whether your hold gets you there.
Equity → line & paymentHELOC payment calculator
How large a line your equity supports, the interest-only payment while drawing, and the much larger one in the repayment period.
Costs ÷ net rentBreak-even occupancy calculator
The occupancy a rental needs just to cover itself, and the vacancy it can survive before it loses money. The honest stress test.
Cash to closeClosing cost calculator
The real cash you bring to the table. Down payment, closing costs, and prepaids, minus earnest money and seller credits.
Appreciation + paydownEquity growth calculator
How a rental builds wealth over time, value rising and the tenant paying down your loan, projected year by year.
Value × (1+rate)^yrsHome appreciation calculator
Project value forward at a compounding rate: in nominal dollars, in today's dollars, and as the leveraged return on your down payment.
Income → max priceHome affordability calculator
How much house you can afford: work backward from income, debts, and down payment to a comfortable price and payment.
Costs − tenant rentHouse hack calculator
Live in one unit, rent the rest. Your real monthly housing cost, against your current rent, and what the property does once you move out.
Break-even horizonRent vs buy calculator
The honest answer isn't rent or buy, it's how long you'll stay. See the year buying beats renting, all costs counted.
When it drops offPMI calculator
What private mortgage insurance costs with under 20% down, the month it cancels, and the total you'll pay before it does.
Loan ÷ valueLoan-to-value (LTV) calculator
The number lenders check first: loan balance against property value, plus combined LTV with a second lien and your real equity.
Months to goalDown payment savings calculator
How many months until you hit your down payment target, compounding what you've saved and what you set aside each month.
Income → max rentRent affordability calculator
How much rent you can afford. The 30% rule and a debt-aware budget that also counts your other monthly payments.
Sale − payoff − costsSeller net proceeds calculator
The real cash you walk away with after payoff, commission, closing costs, and credits: not the headline sale price.
Points + interest + feesHard money loan calculator
What a bridge lender will fund against cost and ARV, the cash you bring to close, and the real annualized cost of a short hold.
Capital left in dealBRRRR calculator
Buy, rehab, rent, refinance, repeat. See how much capital the refinance returns, what stays in the deal, and whether it still cash-flows.
Rent ÷ price ≥ 1%1% rule calculator
The five-second rent-to-price screen, plus the rent or price it would take to pass. A filter, not a verdict.
Expenses ≈ 50% of rent50% rule calculator
Estimate operating expenses and cash flow fast, using the rule that expenses average about half of gross rent over time.
(ARV × 70%) − repairs70% rule calculator
The house-flipper's ceiling: maximum allowable offer from after-repair value and repair costs, with the margin it reserves.
Sale − all costsFlip profit calculator
The real net on a flip after purchase, rehab, holding, and selling costs, with the return on cash and margin most spreadsheets miss.
Line items + contingencyRehab budget calculator
A renovation budget built from defensible line items, with the contingency first-timers skip and a cost-per-square-foot sanity check.
Comp $/ft² × sizeARV calculator
After-repair value from comparable price-per-square-foot, plus the 70%-rule maximum offer: the number every flip and BRRRR starts from.
Or start from a market
What a typical rental costs, rents for, and returns in major U.S. markets: the same engine behind these calculators, applied city by city.
Or skip the manual entry.
Paste a listing and Faro fills these numbers in from real comps, then tells you what to offer.
Estimates for analysis and educational use only: not financial, investment, tax, or legal advice. Verify every number independently before making a purchase decision.