Oliver White Mortgage Group · free · no email wall
Minnesota rental
property calculator
Analyze rental income, expenses and ROI for your investment property. Enter the price, the rents and the real expenses — get cash flow, cap rate, cash-on-cash, DSCR, a year-by-year projection and total return, then download a branded PDF report to share.
Everything runs in your browser. Nothing you type is stored or sent anywhere.
Overview
Cash flow analysis
Monthly and annual cash flow with every income and expense line tracked — before and after the mortgage.
ROI metrics
Cap rate, cash-on-cash return, DSCR, total return on investment and compound annual growth.
Investment projections
Year-by-year appreciation, principal paydown and cash flow for the hold period you choose — up to 30 years.
Start here
Select your loan officer
Pick your loan officer from the Oliver White Mortgage Group. Their contact details print on your PDF report, and the Connect button takes you to their site when you're ready to talk.
Choosing a loan officer sets where the Connect button sends you and whose contact details print on the PDF — nothing about your scenario is transmitted.
Oliver White
Branch Manager · Team Lead · Oliver White Mortgage Group
Fairway profile · NMLS Consumer Access · oliver.white@fairwaymc.com
Calculate your investment
Enter your rental property details to see projected returns. Defaults are a sample Twin Cities duplex — replace every one with the real figures.
The PDF report
Generate your branded report
One click builds a Fairway-branded PDF from exactly what you entered: the headline metrics, mortgage payment, income and expenses, the investment analysis, total return, the annual cash flow table, the total return chart, your loan officer's contact details and the disclosures.
Generated on your device. Nothing is uploaded.
Reading the results
Four numbers that decide most deals
Cash flow
Income minus every operating expense and the mortgage. The calculator takes vacancy and maintenance out first, so "positive" here means positive after the furnace fund.
DSCR
NOI ÷ annual debt service. Many investor programs look for roughly 1.25×. Under 1.0× and the property doesn't pay for itself.
Cash-on-cash
Year-one cash flow ÷ every dollar you put in. The honest yield on your down payment.
Total return & CAGR
Appreciation, principal paydown and cash flow combined over the hold — and the compound annual rate that gets you there.
Calculator results and the downloadable report are estimates for illustrative and educational purposes only, based entirely on the figures you enter. They are not a quote, rate lock, pre-qualification, pre-approval, appraisal, or investment, tax or legal advice, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance, rents, vacancy, expenses and property values vary by property and scenario. Sample rates shown are not an offer. Consult a licensed loan officer, tax professional and attorney before purchasing an investment property. Real estate investing involves risk, including possible loss of principal. Past appreciation and rent growth do not guarantee future results. Projections use constant annual growth rates you choose and do not account for income taxes, depreciation recapture, capital gains, refinancing, major repairs, or periods of extended vacancy.
Numbers look good? Get them financed.
A spreadsheet can’t tell you what a lender will actually approve. The Oliver White Mortgage Group can — pick your loan officer, download the PDF, and bring the numbers to a real conversation.