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ROI Property Investment Calculator

See Your True Return—Before You Buy, Renovate, or Rent

Choosing the right investment property comes down to clear numbers, not guesswork. This ROI Property Investment Calculator helps you evaluate whether a home is worth purchasing, what its potential value could be after updates, and whether selling or keeping it as a long-term rental will deliver the strongest return.

Designed for investors and homeowners across Jacksonville, Nocatee, Ponte Vedra, St. Augustine, and St. Johns County, this tool analyzes key financial factors—projected renovation costs, after-repair value (ARV), monthly rent estimates, operating expenses, cash flow, and long-term appreciation.

Whether you’re exploring a flip, a buy-and-hold rental, or a hybrid strategy, the calculator gives you an AI-powered breakdown of your true investment performance. You’ll see side-by-side scenarios that help you compare ROI, cap rate, cash-on-cash return, equity growth, and potential resale profit.

Use the insights to make informed decisions, minimize risk, and build a stronger real estate portfolio with confidence.

Real Estate ROI Calculator

Estimate potential return on a property based on your purchase, renovation, selling, and rental assumptions.

Purchase & Renovation

Purchase Price ($) Buyer Closing Costs ($) Renovation / Update Budget ($) Additional / Contingency Costs ($) Holding Period (Months) Monthly Holding Costs ($)

Taxes, insurance, utilities, interest, HOA, etc. during the renovation/holding period.

Exit & Rental Assumptions

Sell After Renovation (Flip)

Estimated Resale Price After Renovations ($) Selling Costs (% of resale price)

Includes agent commissions, seller closing costs, and other selling expenses.

Hold as a Rental

Expected Monthly Rent ($) Vacancy Factor (% of rent) Property Taxes ($ / year) Insurance ($ / year) HOA ($ / month) Maintenance / Repairs ($ / month) Property Management (% of collected rent)

Financing (for Rental Scenario)

Down Payment (% of purchase price) Interest Rate (Annual %) Loan Term (Years)

Flip / Sell After Renovation – Estimated ROI

Total Project Cost:

$0

Estimated Net Profit (Before Taxes):

$0

Simple ROI:

0%

Approx. Annualized ROI:

0% / year

Hold as a Rental – Estimated Cash Flow & ROI

Total Cash Invested:

$0

Effective Monthly Rent (After Vacancy):

$0

Monthly Operating Expenses (No Mortgage):

$0

Estimated Monthly Mortgage Payment:

$0

Monthly Cash Flow (After Mortgage):

$0

Annual Cash Flow (After Mortgage):

$0

Cap Rate (Using NOI):

0%

Cash-on-Cash Return:

0%

Disclosure: This real estate ROI calculator is a general educational tool. All figures are estimates based on the numbers you enter and simplified assumptions about renovation costs, holding costs, rental income, vacancies, expenses, financing, appreciation, and selling costs. Actual returns will vary based on your specific property, loan terms, market conditions, tax situation, and overall financial profile. This tool does not include every possible cost or tax implication and does not represent a loan application, approval, quote, or commitment to lend. It is not tax, legal, or financial advice. Only a licensed mortgage lender can tell you what you qualify for and what your exact payments would be, and only a qualified tax professional or CPA can advise you on the tax treatment of real estate investments. You should review any investment decision with your lender, CPA, and other professional advisors before moving forward.