{"id":1225,"date":"2026-09-16T23:35:23","date_gmt":"2026-09-17T03:35:23","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/"},"modified":"2026-09-16T23:45:19","modified_gmt":"2026-09-17T03:45:19","slug":"1-percent-rule-rental-property","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/","title":{"rendered":"The 1 Percent Rule in Real Estate: Does It Still Work? (2026 Data)"},"content":{"rendered":"<p>Success: Updated custom field &#8216;_thumbnail_id&#8217;.<\/p>\n<p>The 1 percent rule says a rental property should rent for at least 1% of its purchase price per month \u2014 $1,500\/month on a $150,000 property. It is the fastest screening tool in real estate investing: check the ratio in 10 seconds, skip deals that fail, and spend your analysis time only on deals that pass. But in 2026, the 1 percent rule is harder to hit than ever. This guide explains what the rule actually measures, where it still works, where it fails, and the smarter alternatives investors use today \u2014 with data from 15 markets and worked examples.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#What_Is_the_1_Percent_Rule_in_Real_Estate\" >What Is the 1 Percent Rule in Real Estate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#The_1_Percent_Rule_vs_the_2_Percent_Rule\" >The 1 Percent Rule vs. the 2 Percent Rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#The_1_Percent_Rule_by_City_2026_Data\" >The 1 Percent Rule by City: 2026 Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Does_the_1_Percent_Rule_Still_Work_in_2026\" >Does the 1 Percent Rule Still Work in 2026?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Why_It_Still_Works_as_a_Screen\" >Why It Still Works (as a Screen)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Why_It_Fails_as_the_Only_Test\" >Why It Fails (as the Only Test)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#What_Smart_Investors_Use_Instead\" >What Smart Investors Use Instead<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Historical_Context_When_the_1_Percent_Rule_Was_Easy\" >Historical Context: When the 1 Percent Rule Was Easy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#How_Interest_Rates_Changed_the_1_Percent_Rule\" >How Interest Rates Changed the 1 Percent Rule<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#1_Percent_Rule_Screening_Workflow_Zillow_to_Calculator_in_5_Minutes\" >1 Percent Rule Screening Workflow: Zillow to Calculator in 5 Minutes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Step_1_Set_Up_Your_Zillow_Search_2_minutes\" >Step 1: Set Up Your Zillow Search (2 minutes)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Step_2_Quick_1_Screen_1_minute_per_property\" >Step 2: Quick 1% Screen (1 minute per property)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Step_3_Full_Analysis_on_Passing_Deals_3_minutes_per_property\" >Step 3: Full Analysis on Passing Deals (3 minutes per property)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Worked_Example_1_Percent_Rule_Screening_in_Cleveland\" >Worked Example: 1 Percent Rule Screening in Cleveland<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#The_50_Percent_Rule_A_Better_Quick_Estimate\" >The 50 Percent Rule: A Better Quick Estimate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#When_to_Ignore_the_1_Percent_Rule\" >When to Ignore the 1 Percent Rule<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#1_Appreciation_Markets\" >1. Appreciation Markets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#2_BRRRR_Strategy\" >2. BRRRR Strategy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#3_Short-Term_Rentals\" >3. Short-Term Rentals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#4_Value-Add_Multifamily\" >4. Value-Add Multifamily<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Common_Mistakes_When_Using_the_1_Percent_Rule\" >Common Mistakes When Using the 1 Percent Rule<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#1_Using_Listing_Price_Instead_of_All-In_Cost\" >1. Using Listing Price Instead of All-In Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#2_Using_Asking_Rent_Instead_of_Market_Rent\" >2. Using Asking Rent Instead of Market Rent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#3_Assuming_1_Means_Profitable\" >3. Assuming 1% Means Profitable<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#4_Dismissing_Sub-1_Markets_Entirely\" >4. Dismissing Sub-1% Markets Entirely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#5_Chasing_2_Deals_in_War_Zones\" >5. Chasing 2% Deals in War Zones<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#What_is_the_1_percent_rule_in_real_estate\" >What is the 1 percent rule in real estate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Does_the_1_percent_rule_still_work_in_2026\" >Does the 1 percent rule still work in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#What_is_the_difference_between_the_1_rule_and_the_2_rule\" >What is the difference between the 1% rule and the 2% rule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#What_is_the_50_percent_rule_in_real_estate\" >What is the 50 percent rule in real estate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Can_you_still_find_1_percent_rule_properties_in_2026\" >Can you still find 1 percent rule properties in 2026?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/arvcalc.com\/blog\/1-percent-rule-rental-property\/#Related_Calculators_and_Guides\" >Related Calculators and Guides<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_1_Percent_Rule_in_Real_Estate\"><\/span>What Is the 1 Percent Rule in Real Estate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 1 percent rule is a quick screening formula:<\/p>\n<pre><code>Monthly Rent \u00f7 Purchase Price \u2265 1%\n\nExample: $1,400\/mo rent \u00f7 $140,000 purchase = 1.0% \u2713 PASSES\nExample: $1,800\/mo rent \u00f7 $250,000 purchase = 0.72% \u2717 FAILS<\/code><\/pre>\n<p>If the property meets or exceeds 1%, it is worth deeper analysis. If it falls below 1%, the property is unlikely to produce positive cash flow with conventional financing \u2014 skip it and move on.<\/p>\n<p>The rule is a <strong>screening tool, not an analysis<\/strong>. Passing the 1 percent rule does not guarantee a good deal. It means the rent-to-price ratio is high enough that cash flow is <em>possible<\/em> after expenses. You still need to run a full analysis with vacancy, repairs, management, and CapEx. Use the <a href=\"\/rental-property-calculator\">rental property calculator<\/a> for the complete picture.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_1_Percent_Rule_vs_the_2_Percent_Rule\"><\/span>The 1 Percent Rule vs. the 2 Percent Rule<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are actually two versions of this screening test:<\/p>\n<table>\n<thead>\n<tr>\n<th>Rule<\/th>\n<th>Formula<\/th>\n<th>What It Means<\/th>\n<th>Where It Works<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>1% Rule<\/strong><\/td>\n<td>Rent \u2265 1% of price<\/td>\n<td>Minimum for possible cash flow with financing<\/td>\n<td>Most Midwest and Southeast markets<\/td>\n<\/tr>\n<tr>\n<td><strong>2% Rule<\/strong><\/td>\n<td>Rent \u2265 2% of price<\/td>\n<td>Strong cash flow likely even with high expenses<\/td>\n<td>Low-price, high-rent markets (rare in 2026)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The 2 percent rule is the aggressive version. A $100K property renting for $2,000\/month (2%) will almost certainly cash flow \u2014 but these deals are rare in 2026 and typically come with trade-offs: high-crime neighborhoods, heavy deferred maintenance, or unreliable tenant bases. Per <a href=\"https:\/\/fred.stlouisfed.org\/series\/MSPUS\" target=\"_blank\" rel=\"noopener noreferrer\">FRED median home price data<\/a>, the national median home price is $420K+ while median rent is ~$2,100 \u2014 a 0.5% ratio. Finding 1% deals requires targeting specific markets.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_1_Percent_Rule_by_City_2026_Data\"><\/span>The 1 Percent Rule by City: 2026 Data<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not all markets are equal. Here is the rent-to-price ratio across 15 US markets based on <a href=\"https:\/\/www.census.gov\/programs-surveys\/acs\" target=\"_blank\" rel=\"noopener noreferrer\">Census ACS housing data<\/a> and <a href=\"https:\/\/www.zillow.com\/research\/data\/\" target=\"_blank\" rel=\"noopener noreferrer\">Zillow Research rental data<\/a> \u2014 showing where the 1 percent rule still works and where it is mathematically impossible.<\/p>\n<table>\n<thead>\n<tr>\n<th>City<\/th>\n<th>Median Price<\/th>\n<th>Median Rent<\/th>\n<th>Rent\/Price Ratio<\/th>\n<th>Passes 1%?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Cleveland, OH<\/td>\n<td>$125,000<\/td>\n<td>$1,250<\/td>\n<td>1.00%<\/td>\n<td>\u2713 Yes<\/td>\n<\/tr>\n<tr>\n<td>Indianapolis, IN<\/td>\n<td>$165,000<\/td>\n<td>$1,350<\/td>\n<td>0.82%<\/td>\n<td>Close<\/td>\n<\/tr>\n<tr>\n<td>Memphis, TN<\/td>\n<td>$155,000<\/td>\n<td>$1,300<\/td>\n<td>0.84%<\/td>\n<td>Close<\/td>\n<\/tr>\n<tr>\n<td>Fort Wayne, IN<\/td>\n<td>$135,000<\/td>\n<td>$1,100<\/td>\n<td>0.81%<\/td>\n<td>Close<\/td>\n<\/tr>\n<tr>\n<td>Birmingham, AL<\/td>\n<td>$140,000<\/td>\n<td>$1,200<\/td>\n<td>0.86%<\/td>\n<td>Close<\/td>\n<\/tr>\n<tr>\n<td>Kansas City, MO<\/td>\n<td>$195,000<\/td>\n<td>$1,400<\/td>\n<td>0.72%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Columbus, OH<\/td>\n<td>$230,000<\/td>\n<td>$1,500<\/td>\n<td>0.65%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Charlotte, NC<\/td>\n<td>$310,000<\/td>\n<td>$1,650<\/td>\n<td>0.53%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Nashville, TN<\/td>\n<td>$390,000<\/td>\n<td>$1,900<\/td>\n<td>0.49%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Atlanta, GA<\/td>\n<td>$340,000<\/td>\n<td>$1,750<\/td>\n<td>0.51%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Dallas, TX<\/td>\n<td>$350,000<\/td>\n<td>$1,800<\/td>\n<td>0.51%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Austin, TX<\/td>\n<td>$430,000<\/td>\n<td>$1,950<\/td>\n<td>0.45%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>Denver, CO<\/td>\n<td>$520,000<\/td>\n<td>$2,100<\/td>\n<td>0.40%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>San Diego, CA<\/td>\n<td>$800,000<\/td>\n<td>$2,800<\/td>\n<td>0.35%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<tr>\n<td>San Francisco, CA<\/td>\n<td>$1,200,000<\/td>\n<td>$3,200<\/td>\n<td>0.27%<\/td>\n<td>\u2717 No<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>The pattern is clear:<\/strong> the 1 percent rule only works in markets with median prices under $170K. Once prices exceed $200K, the ratio drops below 0.7% and cash flow becomes impossible without significant down payment or value-add strategy.<\/p>\n<p>Cleveland is the standout at exactly 1.0%. Indianapolis, Memphis, Fort Wayne, and Birmingham cluster around 0.8\u20130.86% \u2014 they do not hit 1% at the median, but individual deals within these markets regularly exceed 1% in B-class neighborhoods.<\/p>\n<p>Check rent-to-price ratios for any market in the <a href=\"\/cap-rate-calculator\">cap rate calculator<\/a> and compare cities in our <a href=\"\/blog\/best-states-rental-property-2026\/\">best states for rental property guide<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_the_1_Percent_Rule_Still_Work_in_2026\"><\/span>Does the 1 Percent Rule Still Work in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The honest answer: <strong>the 1 percent rule works as a screening tool but fails as an investment thesis.<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_It_Still_Works_as_a_Screen\"><\/span>Why It Still Works (as a Screen)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The rule eliminates 80% of bad deals in 10 seconds. If a property rents for 0.5% of purchase price, no amount of expense optimization will make it cash flow with a mortgage. You would need 50%+ down payment to break even. The 1% screen saves you hours of analysis on properties that were never going to work.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_It_Fails_as_the_Only_Test\"><\/span>Why It Fails (as the Only Test)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A property can pass the 1% rule and still lose money. Here is why:<\/p>\n<pre><code>Property: Cleveland SFR, $120K, $1,250\/mo rent\nRent\/Price: 1.04% \u2713 PASSES the 1% rule\n\nBut run the full analysis:\n  Gross rent:           $1,250\/mo\n  Vacancy (7%):         -$88\n  PITI (25% down):      -$685\n  Repairs (10%):        -$125\n  PM (9%):              -$101\n  CapEx (5%):           -$63\n  Total expenses:       -$1,062\n\n  Cash flow:            $188\/mo \u2713 (with 25% down)\n\nSame property, 5% down (FHA):\n  PITI (5% down):       -$895\n  Same other expenses:  -$377\n  Cash flow:            -$22\/mo \u2717 (NEGATIVE with low down payment)<\/code><\/pre>\n<p>The 1% rule passed, but the deal only works with 25% down. With 5% down, the higher mortgage payment eats the cash flow. <strong>The 1% rule does not account for financing terms<\/strong> \u2014 and financing is what determines whether a passing deal actually produces cash.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Smart_Investors_Use_Instead\"><\/span>What Smart Investors Use Instead<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1% rule is step 1 of a 3-step screening process:<\/p>\n<ol>\n<li><strong>Step 1 \u2014 1% Rule screen:<\/strong> Does the property meet 1%? If no, skip. If yes, continue<\/li>\n<li><strong>Step 2 \u2014 50% Rule estimate:<\/strong> Assume 50% of gross rent goes to operating expenses (vacancy, repairs, PM, CapEx, insurance, taxes). Is the remaining 50% enough to cover the mortgage? If no, skip<\/li>\n<li><strong>Step 3 \u2014 Full analysis:<\/strong> Run the deal through a <a href=\"\/rental-property-calculator\">rental property calculator<\/a> with real numbers for every expense line. This is the only step that gives you an actual cash flow number<\/li>\n<\/ol>\n<p>This 3-step process lets you screen 20 deals in an hour and identify the 2\u20133 worth deep analysis.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Historical_Context_When_the_1_Percent_Rule_Was_Easy\"><\/span>Historical Context: When the 1 Percent Rule Was Easy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>From 2010 to 2018, the 1 percent rule was achievable in 30\u201340% of US metros. Median home prices were $180K\u2013$250K nationally, mortgage rates were 3.5\u20134.5%, and rents were climbing steadily post-recession. An investor could find 1%+ deals in Columbus, Charlotte, Atlanta, and even parts of Phoenix \u2014 markets that now sit at 0.5\u20130.65%.<\/p>\n<p>What changed: home prices rose 60\u201380% from 2018 to 2026 in most metro areas, while rents rose only 25\u201335%. This compressed the rent-to-price ratio across the board. At the same time, mortgage rates doubled from 3.5% to 7%+, making financing costs much higher. The 1 percent rule has not changed \u2014 the markets have.<\/p>\n<p>In 2026, only about 10\u201315% of US metros pass the 1 percent rule at the median price point. These are concentrated in the Midwest (Ohio, Indiana) and parts of the Southeast (Tennessee, Alabama, Mississippi). Coastal and Sun Belt markets that worked in 2015 no longer qualify.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Interest_Rates_Changed_the_1_Percent_Rule\"><\/span>How Interest Rates Changed the 1 Percent Rule<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1% rule was created during an era of 4% mortgage rates. At 4%, a $150K property with 25% down has a monthly PITI of ~$680. At 7.5% (2026 rates), the same property has PITI of ~$880 \u2014 a $200\/month increase that directly reduces cash flow.<\/p>\n<pre><code>$150K property, $1,500\/mo rent (1.0%), 25% down:\n\nAt 4.0% rate: PITI $680 \u2192 estimated cash flow $120\/mo \u2713\nAt 5.5% rate: PITI $760 \u2192 estimated cash flow $40\/mo \u26a0 thin\nAt 7.0% rate: PITI $855 \u2192 estimated cash flow -$55\/mo \u2717\nAt 7.5% rate: PITI $880 \u2192 estimated cash flow -$80\/mo \u2717\n\nTo cash flow at 7.5%, you need 1.15-1.2% ratio \u2014 not 1.0%.<\/code><\/pre>\n<p><strong>The updated rule for 2026:<\/strong> At current interest rates, target 1.1\u20131.2% instead of 1.0%. The old 1% threshold is no longer sufficient to guarantee positive cash flow with conventional 25% down financing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Percent_Rule_Screening_Workflow_Zillow_to_Calculator_in_5_Minutes\"><\/span>1 Percent Rule Screening Workflow: Zillow to Calculator in 5 Minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is the exact workflow to screen deals using the 1 percent rule. No software needed \u2014 just Zillow and a calculator.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_1_Set_Up_Your_Zillow_Search_2_minutes\"><\/span>Step 1: Set Up Your Zillow Search (2 minutes)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Go to Zillow \u2192 filter by your target city<\/li>\n<li>Set price range: $80K\u2013$180K (the range where 1% is achievable)<\/li>\n<li>Filter: 2\u20134 units (multifamily), or SFR with 3+ bedrooms<\/li>\n<li>Sort by: newest listings (freshest deals)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Step_2_Quick_1_Screen_1_minute_per_property\"><\/span>Step 2: Quick 1% Screen (1 minute per property)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>For each listing, estimate monthly rent. Use <a href=\"\/rent-estimator\">rent estimator by ZIP code<\/a> or Zillow&#8217;s rent estimate<\/li>\n<li>Divide rent by listing price. If \u2265 1.1%, mark it for analysis. If < 0.9%, skip immediately<\/li>\n<li>Between 0.9\u20131.1%: borderline \u2014 save for later if you run out of 1%+ deals<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Step_3_Full_Analysis_on_Passing_Deals_3_minutes_per_property\"><\/span>Step 3: Full Analysis on Passing Deals (3 minutes per property)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Open the <a href=\"\/rental-property-calculator\">rental property calculator<\/a><\/li>\n<li>Enter: purchase price, rent, down payment, interest rate, property tax (from county records), insurance estimate, vacancy rate, PM rate, repairs %<\/li>\n<li>Check: cash flow positive? Cash-on-cash above 5%? If yes, schedule a showing<\/li>\n<\/ul>\n<p>This workflow lets you screen 15\u201320 properties in an hour. Most investors find 2\u20133 deals worth pursuing per session.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_1_Percent_Rule_Screening_in_Cleveland\"><\/span>Worked Example: 1 Percent Rule Screening in Cleveland<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is how the screening process works in practice. Five properties, screened in under 5 minutes.<\/p>\n<pre><code>SCREENING 5 DEALS:\n\nDeal A: $95K, $1,050\/mo rent \u2192 1.11% \u2713 PASS \u2192 analyze\nDeal B: $145K, $1,200\/mo rent \u2192 0.83% \u2717 FAIL \u2192 skip\nDeal C: $110K, $1,150\/mo rent \u2192 1.05% \u2713 PASS \u2192 analyze\nDeal D: $185K, $1,400\/mo rent \u2192 0.76% \u2717 FAIL \u2192 skip\nDeal E: $125K, $1,300\/mo rent \u2192 1.04% \u2713 PASS \u2192 analyze\n\n3 pass, 2 fail. Now run full analysis on A, C, and E only.\n\nFULL ANALYSIS \u2014 Deal A ($95K, $1,050\/mo):\n  Down payment (25%): $23,750\n  Loan: $71,250 at 7.5%, 30yr\n  PITI: $625\/mo\n  Vacancy (7%): -$74\n  Repairs (10%): -$105\n  PM (9%): -$95\n  CapEx (5%): -$53\n  Total expenses: $952\n  Cash flow: $98\/mo \u2192 CoC: 5.0% \u2713 BUY\n\nFULL ANALYSIS \u2014 Deal C ($110K, $1,150\/mo):\n  Down payment: $27,500\n  PITI: $720\/mo\n  Operating expenses: -$349\n  Total: $1,069\n  Cash flow: $81\/mo \u2192 CoC: 3.5% \u26a0 THIN\n\nFULL ANALYSIS \u2014 Deal E ($125K, $1,300\/mo):\n  Down payment: $31,250\n  PITI: $815\/mo\n  Operating expenses: -$399\n  Total: $1,214\n  Cash flow: $86\/mo \u2192 CoC: 3.3% \u26a0 THIN<\/code><\/pre>\n<p><strong>Result:<\/strong> Out of 5 deals, the 1% rule eliminated 2 instantly. Of the 3 that passed, only Deal A produces a meaningful cash-on-cash return (5.0%). Deals C and E pass the 1% rule but barely cash flow \u2014 they are not worth the risk at 3.3\u20133.5% CoC.<\/p>\n<p>Run your own screening in the <a href=\"\/rental-property-calculator\">rental property calculator<\/a> and check cash-on-cash in the <a href=\"\/cash-on-cash-calculator\">cash-on-cash calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_50_Percent_Rule_A_Better_Quick_Estimate\"><\/span>The 50 Percent Rule: A Better Quick Estimate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 50 percent rule is a companion to the 1% rule. It estimates that <strong>50% of gross rent goes to operating expenses<\/strong> (everything except the mortgage): vacancy, repairs, maintenance, property management, CapEx, insurance, property tax.<\/p>\n<pre><code>50% Rule Formula:\n  Cash Flow = (Gross Rent \u00d7 50%) - Mortgage Payment\n\nExample: $1,400\/mo rent, $850\/mo mortgage\n  ($1,400 \u00d7 50%) - $850 = $700 - $850 = -$150\/mo \u2717\n\nExample: $1,400\/mo rent, $580\/mo mortgage (larger down payment)\n  ($1,400 \u00d7 50%) - $580 = $700 - $580 = $120\/mo \u2713<\/code><\/pre>\n<p>The 50% rule is more accurate than the 1% rule because it includes operating expenses. But it is still an estimate \u2014 actual expenses can range from 35% (newer property, low-tax state) to 60% (older property, high-tax state like Texas or New Jersey).<\/p>\n<p>Use both rules together: 1% rule for initial screening, 50% rule for quick cash flow estimate, full calculator for the final decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_to_Ignore_the_1_Percent_Rule\"><\/span>When to Ignore the 1 Percent Rule<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 1% rule is not universal. There are legitimate investment strategies where it does not apply:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Appreciation_Markets\"><\/span>1. Appreciation Markets<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you are buying in Austin, Nashville, or Denver for long-term appreciation, you will not hit 1%. These markets run at 0.4\u20130.5%. The investment thesis is different: you accept break-even or slightly negative cash flow in exchange for 5\u20138% annual appreciation. This is a valid strategy \u2014 but only with a long hold period (10+ years) and financial reserves to cover negative months.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_BRRRR_Strategy\"><\/span>2. BRRRR Strategy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In a BRRRR deal, you buy below market, renovate, rent, refinance, and repeat. The purchase price is artificially low because you are buying a distressed property. After rehab, the &#8220;real&#8221; value is much higher. The 1% rule applied to the purchase price may show 1.5\u20132%, but applied to the after-repair value (the real metric), it may only be 0.7%. Use the <a href=\"\/brrrr-calculator\">BRRRR calculator<\/a> instead.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Short-Term_Rentals\"><\/span>3. Short-Term Rentals<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Airbnb and STR properties generate 2\u20133\u00d7 the monthly income of long-term rentals. A property that fails the 1% rule at $1,500\/month long-term rent may produce $3,500\/month as an STR \u2014 well above 1%. But STR income is seasonal and management-intensive. Estimate STR income in the <a href=\"\/airbnb-str-calculator\">Airbnb calculator<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Value-Add_Multifamily\"><\/span>4. Value-Add Multifamily<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Properties with below-market rents that can be raised after renovation. You buy at a 0.7% ratio, renovate, raise rents, and the ratio improves to 0.9\u20131.0%+. The 1% rule applies to the post-renovation numbers, not the acquisition numbers. Analyze in the <a href=\"\/multifamily-property-calculator\">multifamily calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_When_Using_the_1_Percent_Rule\"><\/span>Common Mistakes When Using the 1 Percent Rule<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Using_Listing_Price_Instead_of_All-In_Cost\"><\/span>1. Using Listing Price Instead of All-In Cost<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1% rule should use your <strong>total acquisition cost<\/strong>: purchase price + closing costs + any immediate repairs. A $140K property with $5K closing costs and $10K in deferred maintenance is really a $155K property. At $1,400\/month rent: $1,400 \u00f7 $155,000 = 0.90% \u2014 below 1%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Using_Asking_Rent_Instead_of_Market_Rent\"><\/span>2. Using Asking Rent Instead of Market Rent<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sellers and listing agents inflate rental estimates. &#8220;This could rent for $1,600\/month&#8221; may be $1,350 in reality. Use actual comparable rents from Zillow, Rentometer, or local property managers \u2014 not the seller&#8217;s projection. Check rents in the <a href=\"\/rent-estimator\">rent estimator<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Assuming_1_Means_Profitable\"><\/span>3. Assuming 1% Means Profitable<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The biggest misconception. A property at 1.0% with a 7.5% interest rate, 10% property tax rate (like Texas), and high insurance (like Florida) may still produce negative cash flow. The 1% rule was created when interest rates were 4\u20135%. At 7%+, you need closer to 1.1\u20131.2% to reliably cash flow.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Dismissing_Sub-1_Markets_Entirely\"><\/span>4. Dismissing Sub-1% Markets Entirely<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Markets at 0.7\u20130.9% can work with creative strategies: larger down payment (reduces mortgage), house hacking (live in one unit), or value-add (raise rents post-renovation). The <a href=\"\/blog\/house-hacking-guide\/\">house hacking guide<\/a> shows how to make sub-1% markets work by eliminating your housing cost.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Chasing_2_Deals_in_War_Zones\"><\/span>5. Chasing 2% Deals in War Zones<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A property at $60K renting for $1,200\/month (2.0%) looks incredible on paper. But 2% deals in 2026 almost always come from C\/D neighborhoods with high crime, chronic vacancy, tenant damage, and deferred maintenance. The extra cash flow is consumed by 15\u201320% vacancy rates, $3,000\u2013$5,000\/year repair costs, and frequent turnover. A 1% deal in a B neighborhood will outperform a 2% deal in a D neighborhood over 5 years \u2014 every time. Check neighborhood vacancy in the <a href=\"\/vacancy-rate-calculator\">vacancy rate calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\"><span class=\"ez-toc-section\" id=\"What_is_the_1_percent_rule_in_real_estate\"><\/span>What is the 1 percent rule in real estate?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:block\">\n<p itemprop=\"text\">The 1 percent rule states that a rental property&#8217;s monthly rent should be at least 1% of the purchase price. For example, a $150,000 property should rent for at least $1,500\/month. It is a quick screening tool \u2014 not a complete analysis. Properties that pass the 1% rule are worth deeper investigation; properties that fail are unlikely to produce positive cash flow with conventional financing.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Does_the_1_percent_rule_still_work_in_2026\"><\/span>Does the 1 percent rule still work in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">The 1 percent rule works as a screening tool but is harder to achieve in 2026 due to higher home prices. Only markets with median prices under $170K consistently hit 1% \u2014 Cleveland, parts of Indianapolis, Memphis, Fort Wayne, and Birmingham. At 2026 interest rates (6.5\u20137.5%), properties need closer to 1.1\u20131.2% to reliably produce positive cash flow after all expenses. Use the 1% rule to eliminate bad deals, then run a full analysis on deals that pass.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_the_1_rule_and_the_2_rule\"><\/span>What is the difference between the 1% rule and the 2% rule?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">The 1% rule requires monthly rent to be at least 1% of purchase price. The 2% rule requires 2%. A $100K property should rent for $1,000\/month (1% rule) or $2,000\/month (2% rule). The 2% rule is much harder to achieve \u2014 in 2026, it is essentially limited to very low-cost, high-risk properties in C\/D neighborhoods. Most investors focus on the 1% rule as the realistic standard and treat 2% deals with caution (the high yield often reflects high risk).<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\"><span class=\"ez-toc-section\" id=\"What_is_the_50_percent_rule_in_real_estate\"><\/span>What is the 50 percent rule in real estate?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">The 50 percent rule estimates that 50% of gross rental income goes to operating expenses \u2014 vacancy, repairs, property management, CapEx, insurance, and property tax. The remaining 50% covers the mortgage payment and profit. For example, $1,400\/month rent \u00d7 50% = $700 available for mortgage and cash flow. If your mortgage is $600, estimated cash flow is $100\/month. It is more accurate than the 1% rule but still an estimate. Use a <a href=\"\/rental-property-calculator\">rental property calculator<\/a> for exact numbers.<\/p>\n<\/div>\n<\/div>\n<div class=\"schema-faq-section\" itemscope itemtype=\"https:\/\/schema.org\/Question\">\n<h3 class=\"schema-faq-question font-bold text-lg cursor-pointer\" itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Can_you_still_find_1_percent_rule_properties_in_2026\"><\/span>Can you still find 1 percent rule properties in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"schema-faq-answer py-2\" itemprop=\"acceptedAnswer\" itemscope itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none\">\n<p itemprop=\"text\">Yes \u2014 but only in specific markets. Cleveland (OH), Fort Wayne (IN), Birmingham (AL), and parts of Memphis (TN) still produce 1%+ deals at the median price point. In other markets (Indianapolis, Kansas City), you can find individual properties above 1% but the median is 0.75\u20130.85%. Look for value-add opportunities: properties with below-market rents, minor rehab needs, or motivated sellers. Avoid chasing 2% deals in high-crime areas \u2014 the maintenance costs and vacancy will erase the yield.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Related_Calculators_and_Guides\"><\/span>Related Calculators and Guides<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"\/rental-property-calculator\"><strong>Rental Property Calculator<\/strong><\/a> \u2014 Full cash flow analysis beyond the 1% screen<\/li>\n<li><a href=\"\/cap-rate-calculator\"><strong>Cap Rate Calculator<\/strong><\/a> \u2014 Rent-to-price and cap rate by market<\/li>\n<li><a href=\"\/cash-on-cash-calculator\"><strong>Cash-on-Cash Calculator<\/strong><\/a> \u2014 Return on invested cash<\/li>\n<li><a href=\"\/property-cash-flow-calculator\"><strong>Cash Flow Calculator<\/strong><\/a> \u2014 Monthly cash flow after all expenses<\/li>\n<li><a href=\"\/gross-rent-multiplier-calculator\"><strong>GRM Calculator<\/strong><\/a> \u2014 Quick property comparison<\/li>\n<li><a href=\"\/rent-estimator\"><strong>Rent Estimator<\/strong><\/a> \u2014 Market rent by ZIP code<\/li>\n<li><a href=\"\/calculators\"><strong>All 30+ Calculators<\/strong><\/a><\/li>\n<\/ul>\n<p>Related guides:<\/p>\n<ul>\n<li><a href=\"\/blog\/how-to-analyze-rental-property-investment\/\">How to Analyze Rental Property Investment<\/a><\/li>\n<li><a href=\"\/blog\/good-cap-rate-rental-property\/\">What Is a Good Cap Rate?<\/a><\/li>\n<li><a href=\"\/blog\/house-hacking-guide\/\">House Hacking Guide (2026)<\/a><\/li>\n<li><a href=\"\/blog\/best-states-rental-property-2026\/\">Best States for Rental Property 2026<\/a><\/li>\n<li><a href=\"\/blog\/calculate-rental-property-cash-flow-guide\/\">How to Calculate Cash Flow<\/a><\/li>\n<li><a href=\"\/blog\/screen-rental-property-deals-guide\/\">How to Screen Rental Property Deals<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Success: Updated custom field &#8216;_thumbnail_id&#8217;. The 1 percent rule says a rental property should rent for at least 1% of its purchase price per month \u2014 $1,500\/month on a $150,000&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investing"],"_links":{"self":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/1225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/comments?post=1225"}],"version-history":[{"count":1,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/1225\/revisions"}],"predecessor-version":[{"id":1227,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/1225\/revisions\/1227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media\/1226"}],"wp:attachment":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media?parent=1225"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/categories?post=1225"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/tags?post=1225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}