Calculator
Condo Cash Flow Calculator
Calculate monthly cash flow for a condo rental after mortgage, HOA, taxes, and insurance.
Positive cash flow depends on rent growth, fee stability, and financing terms. HOA special assessments can wipe out a year of profit overnight.
Stress-test rent and expense assumptions before counting on passive income.
Last updated: May 2026
Your numbers
What this means
Positive cash flow of $0.00/mo before taxes and capital events.
Assumptions and limitations
- Mortgage entered as total P&I; does not model special assessments.
Frequently asked questions
- Should HOA be counted as expense for rentals?
- Yes. HOA is an operating expense that reduces net cash flow.
When this matters
- You need to know if rent covers mortgage, HOA, taxes, and insurance
- You are comparing two rental candidates with different fee structures
What this calculator does not include
- Live tax bills, insurance quotes, or HOA budgets from any database
- Lender approval, HOA questionnaire results, or project eligibility
- Future HOA increases unless you change the inputs yourself
- Exact vacancy rates or rent growth for your submarket
- Capital gains tax on a future sale
- Major special assessments beyond what you enter
See our methodology page for how each input is defined and how to interpret results.
Common questions
- What if HOA raises fees after I buy?
- Run a second scenario with higher HOA. Rental cash flow can flip negative when master insurance renews or reserves are replenished.
Sources to verify before buying
Use this checklist during due diligence. Calculators help you plan; these documents tell you what a specific building actually costs.
- HOA budget and most recent financial statements
- Reserve study and percent-funded summary
- Master insurance policy declarations and renewal terms
- Board meeting minutes from the past 12–24 months
- Pending or approved special assessment notices
- County or municipal property tax estimator for the unit
- HO-6 insurance quote matched to master policy coverage
- Lender condo questionnaire or project approval status
Assumptions and limitations
- Outputs are planning estimates only, not quotes from lenders, insurers, or tax authorities.
- Actual HOA dues, insurance premiums, and tax assessments vary by building, location, and ownership status.
- PMI, special assessments, and reserve risk are modeled with simplified assumptions unless you enter your own figures.
- Always confirm numbers with association documents, your agent, and qualified professionals before making an offer.
Related calculators
Explore more tools for your condo search
- Condo Investment ReturnEstimate potential return on a condo investment including rent, expenses, and appreciation.
- Condo HOA FeeCalculate how condo HOA fees affect your total monthly payment, annual dues, and budget if fees rise 10% or 20%.
- Condo ExpensesFree condo expenses calculator: estimate monthly mortgage, HOA, taxes, insurance, PMI, utilities, and assessment buffer in one payment.
Related guides
Learn the basics before you run the numbers