Free Tool
Rental Property Deal Analyzer
Enter your deal numbers to instantly calculate cap rate, cash-on-cash return, monthly cash flow, and a 5-year appreciation projection. Know if the deal works before you make an offer.
Cash-on-cash
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Cap rate
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Monthly cash flow
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Total cash in
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5-year property value projection
Investor benchmarks
| Cap rate 7%+ | Strong deal |
| Cap rate 5-7% | Acceptable — market dependent |
| Cash-on-cash 8%+ | Excellent return |
| Cash-on-cash 5-8% | Solid — review upside |
| Negative cash flow | Renegotiate or pass |
Investor education
How to analyze a rental property deal
What is cap rate and why does it matter?
Cap rate (capitalization rate) measures a property's income-producing potential independent of financing. It's calculated as Net Operating Income ÷ Property Value. Because it ignores your mortgage, cap rate lets you compare properties fairly — whether you're paying cash or using leverage. In Tampa and Columbus markets, residential rental cap rates of 5–7% are typical for well-located properties.
What is cash-on-cash return and how is it different from cap rate?
Cash-on-cash return measures your actual cash income as a percentage of the cash you invested, including your down payment and closing costs. Unlike cap rate, it accounts for your mortgage payment. A property with a 6% cap rate might produce a 9% cash-on-cash return if financed with leverage — or 2% if you overpay for it. Both metrics matter: cap rate tells you the asset's quality, cash-on-cash tells you your actual return.
What financing options does Viador Partners offer for investment properties?
Viador Partners specializes in DSCR loans (no income docs, qualify on property cash flow), business purpose loans (LLC-held properties, no property count limit), bridge and fix-and-flip financing, and conventional investment loans. We also have SBA referral partnerships for investors purchasing commercial property. Contact us for a free deal review within 24 hours.
Found a deal that works?
Submit it for a free deal review. Chad Evers has 15 years of institutional lending experience and will respond within 24 hours with financing options.
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