What rent does a $125,000 rental need?

About $1,000/month USD to break even, and $1,250/month for $200 of monthly cash flow — with 20% down at a 7% rate.

Assumes typical costs: property tax 1.2% and insurance 0.5% of the price per year, 5% vacancy, 10% of rent for repairs, and a 30-year loan. Plug in your real numbers on the right.

Rate	20% down: break even / +$200	25% down: break even / +$200
6%	$925 / $1,150	$875 / $1,125
6.5%	$975 / $1,200	$925 / $1,150
7%	$1,000 / $1,250	$950 / $1,200
7.5%	$1,050 / $1,275	$1,000 / $1,225

The 1% rule would ask for $1,250/month. It's a quick screen only — taxes, insurance and the rate decide the real answer.

Quick check

United States · USD

Price$Rent / mo$Down payment%Interest rate%

Monthly cash flow

$220/mo

Preliminary verdict

Looks like a good deal

Rent covers every cost with money left over each month.

Cash flow: $220/mo
Cap rate: 8.50%
DSCR: 1.33

Counted

Mortgage (30-yr), property tax ~1.2%/yr, insurance ~0.5%/yr, 5% vacancy, 10% of rent for repairs.

Not counted yet

Closing costs, HOA fees, a property manager, and your actual tax and insurance quotes. Add them in the full analysis.

How we calculate · An estimate to screen deals, not financial advice.

Other prices

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