Why does the default first paint show $3,576.00 and 8.94%?

Default inputs: $2,000 monthly rent, 5% vacancy, 8% management, $250/mo opex, $1,200/mo debt, $40,000 cash in. GPI = 2000 × 12 = $24,000. Vacancy = $1,200, so collected = $22,800. Management is 8% of collected = $1,824 (not 8% of GPI). Opex = $3,000. Debt = $14,400. KEEP cash flow = 22800 − 1824 − 3000 − 14400 = $3,576.00. Cash-on-cash = 3576 / 40000 = 8.94%. You can replace every input.

Is management charged on gross potential income or collected rent?

On collected rent after vacancy, not on GPI. Default: GPI $24,000, vacancy $1,200, collected $22,800, then 8% of $22,800 = $1,824. Paste the percent from your management agreement. This is not a 50-state tax engine.

How is this different from Airbnb host keep or commission take-home?

Airbnb’s 15.5% host service fee lives at /airbnb-host/. Commission take-home is sale × one share at /commission/. This URL is long-term landlord cash-on-cash after vacancy and management on collected rent. Freelance rate math is on the homepage.

Landlord Keep 2026 — Cash-on-Cash After Management Fees

Landlord keep 2026 — cash-on-cash after management fees

Planning math for a long-term rental: cash flow after vacancy, management on collected rent (not GPI), opex you type, and debt you type. Default first paint is $3,576.00 annual cash flow and 8.94% cash-on-cash. You type every percent. Not NOI (NOI is before debt). Not a cap rate. Not a mortgage offer. Not a 50-state tax engine. Not Airbnb 15.5% — that hub is Airbnb host keep. Freelance floor is on the homepage. Not affiliated with TurboTenant, Stessa, or Buildium.

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Annual cash flow

$3,576.00

5% vacancy, 8% mgmt on collected, $250/mo opex, $1,200/mo debt, $40,000 cash in. Planning only.

Cash-on-cash

8.94%

Mgmt

$1,824

Debt

$14,400

Monthly rent $

Vacancy % (you type)

Management % (on collected, not GPI)

Opex $/mo (repairs/insurance/HOA you type)

Debt $/mo (PITI you type — not a loan offer)

Cash in $

2 more plannersRent needed for a CoC goal. Self-manage vs 8% vs 10% on the same deal — not new pages.

Monthly rent for a CoC goal

Uses this page’s cash in, vacancy %, mgmt %, opex, and debt. Collected = (target cash flow + opex + debt) ÷ (1 − mgmt%). Then GPI = collected ÷ (1 − vacancy%), rent = GPI ÷ 12. Guarded if mgmt or vacancy is 100%.

Target cash-on-cash %

$2,000.00

Monthly rent so cash-on-cash still hits 8.94% after mgmt on collected.

Self-manage vs 8% vs 10%

Same rent, vacancy, opex, debt, and cash in as the calculator. Three keep numbers — not new pages, not a refinance pitch.

Self-manage 0%

$5,400.00

CoC 13.50%

8% mgmt

$3,576.00

CoC 8.94%

10% mgmt

$3,120.00

CoC 7.80%

Worked example · no click required

Default $2,000/mo → $3,576.00 keep, 8.94% CoC

You type every input. This walkthrough is the first-paint arithmetic, not a quote mill and not a 50-state tax engine.

GPI = $2,000 × 12 = $24,000
Vacancy = $24,000 × 5% = $1,200 → collected = $22,800
Management = $22,800 × 8% = $1,824 (on collected, not GPI)
Opex = $250 × 12 = $3,000 (repairs/insurance/HOA you typed)
Debt = $1,200 × 12 = $14,400 (PITI you typed — not a loan offer)
KEEP cash flow = 22800 − 1824 − 3000 − 14400 = $3,576.00
Cash-on-cash = 3576 ÷ 40,000 = 8.94%

Self-manage (0% mgmt) on the same deal: KEEP $5,400.00, CoC 13.50%. At 10% mgmt: KEEP $3,120.00, CoC 7.80%. Paid off (debt $0, not a refinance pitch): KEEP $17,976.00, CoC 44.94%.

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The formula — you type every percent

RealRateCalc does not invent a vacancy or management table. Paste the percents from the lease, the management agreement, and the costs you actually pay.

GPI = monthly rent × 12
Vacancy $ = GPI × (vacancy % ÷ 100)
Collected = GPI − vacancy $
Mgmt $ = collected × (mgmt % ÷ 100)
Opex $ = monthly opex × 12
Debt $ = monthly debt × 12
Annual cash flow (KEEP) = collected − mgmt − opex − debt
Cash-on-cash % = (cash flow ÷ cash in) × 100 if cash in > 0, else an em dash

Management is on collected rent after vacancy, not on GPI. This is not NOI (NOI is before debt). This is not a cap rate.

What this page is not

Not a mortgage offer, refinance pitch, or LendingTree mill. You type PITI.
Not insurance quotes, not a 50-state tax engine, not NAR 3%.
Not the Airbnb host keep page (short-term 15.5% host fee).
Not commission take-home (sale × one share).
Not the homepage freelance rate calculator. Landlords who also freelance can still use that floor; this URL is cash-on-cash after management.
Not affiliated with TurboTenant, Stessa, or Buildium. Confirm live fees on your own statements.

FAQ

What is cash-on-cash return on this page?

Annual pre-tax cash flow ÷ cash invested. You type rent, vacancy, management, opex, debt, and cash in. Not NOI (NOI is before debt). Not a cap rate. Educational planning only.

Why $3,576.00 and 8.94% on first paint?

$2,000 × 12 = $24,000 GPI. 5% vacancy → collected $22,800. 8% mgmt on collected = $1,824. Opex $3,000. Debt $14,400. KEEP = $3,576.00. CoC = 3576 / 40,000 = 8.94%. Replace every input.

Is management on GPI or collected rent?

Collected after vacancy, not GPI. Default: 8% of $22,800 = $1,824, not 8% of $24,000.

Is this a mortgage offer, cap rate, or tax advice?

No. You type debt. This is not a loan quote, not a refinance pitch, not cap rate, not a 50-state tax engine. Not affiliated with TurboTenant, Stessa, or Buildium.

Airbnb host or commission instead?

Short-term host fee keep is /airbnb-host/. Sale × one share is /commission/. Freelance floor is the homepage.

Homepage rate calculator Airbnb host keep Commission take-home Marketplace seller fees