Break-even rent calculator
Break-even rent is the rent at which a rental's cash flow is exactly zero. Anything above it is profit; anything below comes out of your pocket.
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What counts as an expense?
Principal and interest, property tax, insurance, HOA, a vacancy allowance, repairs, capital reserves for big-ticket items and property management. Leaving reserves out is the most common way investors overestimate cash flow.
Why is my break-even higher than PITI?
Vacancy, repairs, reserves and management scale with rent, so covering them needs more rent than the mortgage payment alone.
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