Metrics
Monthly Cash Flow
Rent minus operating expenses minus mortgage payment. The cash that lands in your account each month.
How it's calculated
Cash Flow = Rent − Operating Expenses − Mortgage PaymentExample
$2,000 rent − $400 expenses − $1,200 mortgage = $400/mo cash flow = $4,800/yr.
Why Monthly Cash Flow matters
Monthly cash flow is what funds your life. Wealth-building investors weight IRR; income investors weight monthly cash flow.
Run the math on a real deal
TrueCap has a free calculator for this. Paste an address or enter numbers manually — get Monthly Cash Flow plus all the supporting metrics in 60 seconds.
Try the free Monthly Cash Flow calculatorRelated terms
Cash-on-Cash Return
Annual cash flow ÷ total cash invested (down payment + closing + rehab). Tells you how hard your mon…
NOI (Net Operating Income)
Gross annual rent minus all operating expenses, before debt service and income tax.
After-Tax Cash Flow
Monthly cash flow plus the estimated year-1 net tax effect — deductions (depreciation, deductible in…
Ready to run the Monthly Cash Flow math on a real deal?
Free 60-second analysis, sourced assumptions, no signup — and Pro calculates the highest modeled Offer Ceiling that still meets your selected targets under the assumptions shown.
Free download
The Market Intelligence Pack
Every state's investing benchmarks on one table, the rent-to-price screen, and HUD rent benchmarks for 150 markets — the same sourced data that pre-fills every TrueCap analysis.