Rental Portfolio Tracker
Track all your rental properties in one place. Enter income and expenses — get instant NOI, cap rate, cash-on-cash return, and total portfolio metrics.
Key Rental Property Metrics Explained
The rental portfolio tracker calculates four core metrics for each property. Net Operating Income (NOI) = annual gross rent minus vacancy allowance minus all operating expenses (taxes, insurance, maintenance, management). It excludes mortgage payments, giving a lender-neutral view of property income. Cap rate = NOI ÷ current property value — a pure yield measure independent of financing. A cap rate of 5–8% is typical in most US markets as of 2026.
Cash-on-cash return (COC) = annual pre-tax cash flow ÷ total cash invested. Unlike cap rate, COC accounts for your mortgage payment and reflects actual cash returned on your down payment. A COC above 8% is considered strong. Equity = current value minus outstanding mortgage balance — your net ownership stake building over time through principal paydown and appreciation.
How to Use This Rental Portfolio Tracker
Add each property with its purchase price, current market value, and mortgage balance. Enter monthly income (rents) and monthly operating costs. The tracker applies a vacancy rate (default 5%) to account for turnover periods. Results update live — no submit needed. The portfolio summary at the bottom aggregates across all properties to show your blended performance.
For the most accurate picture: use your actual mortgage P+I payment (not just interest), include annual property tax divided by 12 in the expenses field, and set maintenance to 1–2% of property value per year. A property manager typically charges 8–10% of collected rent — include this in operating expenses if applicable.
Rental Portfolio Benchmarks (2026)
According to National Association of Realtors and BiggerPockets data, typical rental portfolio benchmarks in 2026 are: cap rate 4–7% (urban), 7–10% (rural/tertiary markets); cash-on-cash 4–12% depending on leverage; vacancy rate 5–8% national average; operating expense ratio 35–45% of gross rent for single-family, 40–55% for multifamily. Track your blended portfolio COC against the S&P 500 5-year average (~12%) to evaluate opportunity cost of equity deployed in real estate versus equities.