The net cash a rental property generates after all expenses including mortgage payments.
Cash flow is the actual money you take home from a rental property each month or year, calculated by subtracting all expenses (including mortgage payments, taxes, insurance, maintenance, and management) from rental income. Positive cash flow means the property pays for itself and puts money in your pocket; negative cash flow means you're subsidizing it.
Cash Flow = Rental Income − Operating Expenses − Mortgage PaymentsCash flow equals rental income minus operating expenses minus debt service.
Your rental property collects $2,500 in monthly rent. Monthly expenses include $1,400 mortgage, $300 property taxes, $100 insurance, $200 maintenance reserve, and $200 property management. Monthly cash flow = $2,500 − $2,200 = $300, or $3,600 per year.
Richify automatically calculates cash flow and other key real estate metrics for every property in your portfolio. Instead of plugging numbers into spreadsheets, you get instant analysis with built-in AI-powered insights to help you spot trends and opportunities across your holdings.
The annual cash flow earned on the actual cash invested in a property.
Annual rental income minus operating expenses, before mortgage payments.
The percentage of time a rental property sits empty without a tenant generating income.
The percentage of gross rental income needed to cover all operating expenses and debt service.
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