CO Investment Calcby Peter Aurich & Jeff Zinsmeister

Fairway Colorado · free · no email wall

Colorado rental
property calculator

Analyze rental income, expenses and ROI for your investment property. Enter the price, the rents and the real expenses — get cash flow, cap rate, cash-on-cash, DSCR, a year-by-year projection and total return, then download a branded PDF report to share.

Run the numbers ↓How to read them

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Peter Aurich · Fairway Colorado
Hey Peter — found a duplex in Colorado Springs. $500,000, rents $3,900/mo total. Good deal? 🏘️
Read 7:12 PM
Depends on the whole picture — taxes, vacancy, reserves, not just rent vs. mortgage. How much are you putting down?
thinking…
At a sample 7% over 30 years, that's about −$82/mo after all expenses and DSCR of 0.97×.
Sample estimate only — run your own numbers ↓

Overview

Cash flow analysis

Monthly and annual cash flow with every income and expense line tracked — before and after the mortgage.

ROI metrics

Cap rate, cash-on-cash return, DSCR, total return on investment and compound annual growth.

Investment projections

Year-by-year appreciation, principal paydown and cash flow for the hold period you choose — up to 30 years.

Start here

Select your loan officer

Pick your loan officer from the Fairway Colorado team. Their contact details print on your PDF report, and the Connect button takes you to their site when you're ready to talk.

Choosing a loan officer sets where the Connect button sends you and whose contact details print on the PDF — nothing about your scenario is transmitted.

Peter Aurich

Area Manager · Fairway Colorado team

NMLS #210365 · Licensed in Colorado · Palmer Lake, CO

Connect with Peter →💬 Text 719-208-9994

Fairway profile · NMLS Consumer Access · peter.aurich@fairwaymc.com

Calculate your investment

Enter your rental property details to see projected returns. Defaults are a sample Front Range duplex — replace every one with the real figures.

Converting your current home into a rental?

Toggle on to enter your existing mortgage details (balance, rate, PMI). Your investment basis becomes your current equity.

Cap rate ⓘ5.79%
Return on investment ⓘ220.20%$308,280
Cash-on-cash ⓘ-0.70%
DSCR ⓘ0.97×

Purchase details

Loan amount$375,000
Seller pays closing costs

Default: 3% of purchase price. Lender, title, recording, prepaids.

Total initial investment$140,000Down payment + closing costs

Sample assumption of 3.5% annually — Front Range prices have run hot in some years and flat in others; nobody can promise future prices.

Sample assumption of 3% annually. Colorado has no local rent control, but rents can soften when new supply lands — test a lower number too.

Rental income

Monthly rent by unit

Laundry, parking, storage, pet rent, etc.

Share of rent you don't collect between tenants. 5% ≈ three weeks a year. Enter 0 to mirror a fully leased year.

Total monthly income$3,900

Monthly expenses

Default: 0.6% of purchase price annually. Colorado bills swing with the mill levy — metro districts can add a lot. Pull the real parcel figure.

Default: 0.75% of purchase price annually. Hail makes Colorado premiums some of the highest in the country — get a landlord-policy quote and check the wind/hail deductible.

Typically 1% of property value annually — older Denver and Colorado Springs stock, and any roof with hail history, often deserves more.

Common heat, water/sewer, trash, snow, lawn.

= $312/mo (of $3,900 total rents). Enter 0 if you self-manage.

Total monthly expenses$1,487Excluding mortgage payment · includes vacancy allowance
MONTHLYCash flow
Year 1
Rental income
$3,900
Expenses
$3,982
Year 1 MONTHLY cash flow
−$82
CumulativeCash flow through
Year 10
Rental income
$536,510
Expenses
$486,732
Year 10 CUMULATIVE cash flow
$49,777
Cumulative cash-on-cash return ⓘ35.6%

Estimated annual cash flow

Cash flow details

Total return on investment

Rental income
$536,510
Appreciation
$205,299
Gross revenue
$741,809
Expenses Int. + prop. tax + ins. + repairs + mgmt + utilities + HOA + vacancy
−$486,732
Profit
$255,077
Investment Down payment + closing costs
$140,000
Return on investment
182.2%
Average annual compounded return
10.9%

Annual total return on investment

Cumulative appreciation + principal paydown + cash flow at the end of each year, with return on initial investment.

The PDF report

Generate your branded report

One click builds a Fairway-branded PDF from exactly what you entered: the headline metrics, mortgage payment, income and expenses, the investment analysis, total return, the annual cash flow table, the total return chart, your loan officer's contact details and the disclosures.

Generated on your device. Nothing is uploaded.

Reading the results

Four numbers that decide most deals

Cash flow

Income minus every operating expense and the mortgage. The calculator takes vacancy and maintenance out first, so "positive" here means positive after the furnace fund.

DSCR

NOI ÷ annual debt service. Many investor programs look for roughly 1.25×. Under 1.0× and the property doesn't pay for itself.

Cash-on-cash

Year-one cash flow ÷ every dollar you put in. The honest yield on your down payment.

Total return & CAGR

Appreciation, principal paydown and cash flow combined over the hold — and the compound annual rate that gets you there.

The cash flow is thin but the total return looks great. Is that bad? 😬
It's a bet on appreciation and paydown — totally valid, as long as you can carry the thin months. Lenders will look at the DSCR line, so let's talk about down payment before you offer.

Full metric guide + Colorado specifics →

Calculator results and the downloadable report are estimates for illustrative and educational purposes only, based entirely on the figures you enter. They are not a quote, rate lock, pre-qualification, pre-approval, appraisal, or investment, tax or legal advice, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance, rents, vacancy, expenses and property values vary by property and scenario. Sample rates shown are not an offer. Consult a licensed loan officer, tax professional and attorney before purchasing an investment property. Real estate investing involves risk, including possible loss of principal. Past appreciation and rent growth do not guarantee future results. Projections use constant annual growth rates you choose and do not account for income taxes, depreciation recapture, capital gains, refinancing, major repairs, or periods of extended vacancy.

Numbers look good? Get them financed.

A spreadsheet can’t tell you what a lender will actually approve. The Fairway Colorado team can — pick your loan officer, download the PDF, and bring the numbers to a real conversation.

Select your loan officer →💬 Text the team: 719-208-9994