Calculators
A rental property's advertised rent isn't its real return — vacancy, maintenance, and management all eat into it before you ever see cash flow. See the actual numbers.
$182
Monthly cash flow
6.86%
Cap rate
3.23%
Cash-on-cash return
$187,500
Loan amount
$1,247
Monthly P&I
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
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Frequently Asked
Cap rate measures the property's return ignoring financing entirely — pure income divided by price, useful for comparing properties. Cash-on-cash measures your actual return on the cash you invested, after the mortgage payment, which is what matters once financing is in the picture.
Because eventually you probably will have both — building them into the model even at a modest percentage gives you a realistic number instead of a best-case one.