Real Estate Cash Flow Template
Property cash flow analysis template for landlords and real estate investors.
What's Included:
- Per-property rental income and expense tracking with NOI calculation
- Vacancy rate adjustor that reduces projected income by expected turnover
- Mortgage payment breakdown showing principal, interest, and escrow
- Cash-on-cash return calculator based on actual invested capital
Available Formats:
Download Free Template
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Real estate investing is fundamentally a cash flow game. This template helps landlords and investors analyze whether a property generates positive cash flow after accounting for all expenses—not just the mortgage payment, but also vacancy, maintenance, property taxes, insurance, and management fees. Seeing the true net cash flow per property prevents unpleasant surprises.
The cash-on-cash return calculator is the highlight of this template. It compares your annual cash flow to the actual capital you invested (down payment plus closing costs plus any rehab), giving you a clear picture of your return on invested dollars. Use this to compare different properties and decide where to allocate capital next.
How to Use This Template
Add Your Properties
Enter each rental property with its address, monthly rent, mortgage payment details, and estimated vacancy rate.
Input Monthly Operating Expenses
Fill in recurring costs—property taxes, insurance, maintenance, management fees—for each property. The template calculates Net Operating Income automatically.
Review Portfolio Cash Flow
Check the portfolio summary for aggregate monthly cash flow, cash-on-cash return, and which properties are the strongest and weakest performers.
Frequently Asked Questions
What is a good cash-on-cash return for a rental property?
Most investors target 8-12% cash-on-cash return, though this varies by market and risk tolerance. This template calculates your actual cash-on-cash return so you can compare it to your target and to alternative investments.
How do I estimate vacancy rate for my rental property?
A common starting point is 5-8% for residential properties in strong rental markets and 10-15% for weaker markets. Check local vacancy data and your own historical turnover rate, then enter that percentage in the vacancy adjustor field.
Related Financial Resources
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