Enter income and every operating line to see net monthly and annual cash flow — with vacancy and reserves counted, not ignored.
Monthly cash flow
$129.60
Gross income
$2,000.00
Vacancy loss
-$120.00
Effective income
$1,880.00
Operating expenses
-$650.40
Net operating income
$1,229.60
Debt service
-$1,100.00
Monthly cash flow
$129.60
Annual cash flow
$1,555
Vacancy and maintenance reserves are included — remove them and this number stops being real.
This is an estimate for planning only. It is not legal, financial, tax, or underwriting advice. Your lease terms and state or local law control what you can actually charge or require.
Add this rental property to Ayillo and track real numbers
Once rent and expenses run through Ayillo, cash flow stops being an estimate.
Vacancy and maintenance reserves are what turn an apparently profitable rental into a break-even one. A unit that is empty three weeks a year is running at roughly 6% vacancy. Maintenance and capital reserves commonly run 5–15% of gross rent depending on the age and condition of the property.
If the deal only works with both set to zero, it does not work.
Income lines worth counting
Base rent
Parking or storage
Pet rent
Utility reimbursement or RUBS recovery
Laundry or amenity income
Frequently asked questions
Should the mortgage be included in cash flow?
Yes for cash flow, no for NOI. NOI is income minus operating expenses before financing; cash flow subtracts debt service as well.
What vacancy rate should I assume?
Use your own history if you have it. Otherwise start from the local market rate for your property type and add a margin if turnover is frequent.