{"id":984,"date":"2026-08-22T01:12:29","date_gmt":"2026-08-22T05:12:29","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/"},"modified":"2026-08-22T01:28:23","modified_gmt":"2026-08-22T05:28:23","slug":"property-cash-flow-calculator-how-to-use","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/","title":{"rendered":"Property Cash Flow Calculator: How to Calculate Monthly Cash Flow (2026)"},"content":{"rendered":"<p>The <a href=\"\/property-cash-flow-calculator\">property cash flow calculator<\/a> shows you exactly how much money a rental property puts in your pocket each month \u2014 after every expense and the mortgage payment. An Indianapolis duplex at $160K generates $227\/month positive cash flow. A Memphis SFR at $180K loses $222\/month. Same investor, same down payment, opposite results. Run the numbers before you buy.<\/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<p><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>\n<ul class='ez-toc-list ez-toc-list-level-1 ' >\n<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\/property-cash-flow-calculator-how-to-use\/#What_Is_Property_Cash_Flow\" >What Is Property Cash Flow<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#How_to_Use_the_Property_Cash_Flow_Calculator\" >How to Use the Property Cash Flow Calculator<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Step_1_%E2%80%94_Income\" >Step 1 \u2014 Income<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Step_2_%E2%80%94_Operating_Expenses\" >Step 2 \u2014 Operating Expenses<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Step_3_%E2%80%94_Financing\" >Step 3 \u2014 Financing<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#Step_4_%E2%80%94_Read_Results\" >Step 4 \u2014 Read Results<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Worked_Example_1_Indianapolis_Duplex_%E2%80%94_Positive_Cash_Flow\" >Worked Example 1: Indianapolis Duplex \u2014 Positive Cash Flow<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Income\" >Income<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#Operating_Expenses\" >Operating Expenses<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Cash_Flow\" >Cash Flow<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Worked_Example_2_Memphis_SFR_%E2%80%94_Negative_Cash_Flow\" >Worked Example 2: Memphis SFR \u2014 Negative Cash Flow<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Cash_Flow_vs_Other_Metrics\" >Cash Flow vs Other Metrics<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#The_CapEx_Trap_Why_Cash_Flow_Projections_Fail\" >The CapEx Trap: Why Cash Flow Projections Fail<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#5_Cash_Flow_Mistakes\" >5 Cash Flow Mistakes<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#1_Skipping_CapEx_Reserves\" >1. Skipping CapEx Reserves<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#2_Using_Listed_Rent_Instead_of_Market_Rent\" >2. Using Listed Rent Instead of Market Rent<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#3_Forgetting_Vacancy\" >3. Forgetting Vacancy<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#4_Not_Including_Property_Management\" >4. Not Including Property Management<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#5_Ignoring_Expense_Growth\" >5. Ignoring Expense Growth<\/a><\/li>\n<\/ul>\n<\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a>\n<ul class='ez-toc-list-level-3' >\n<li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#What_is_a_good_monthly_cash_flow_for_a_rental_property\" >What is a good monthly cash flow for a rental property?<\/a><\/li>\n<li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/arvcalc.com\/blog\/property-cash-flow-calculator-how-to-use\/#How_is_property_cash_flow_different_from_NOI\" >How is property cash flow different from NOI?<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#Should_I_buy_a_rental_property_with_negative_cash_flow\" >Should I buy a rental property with negative cash flow?<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#What_expenses_should_I_include_in_cash_flow_calculations\" >What expenses should I include in cash flow calculations?<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#How_does_down_payment_affect_cash_flow\" >How does down payment affect cash flow?<\/a><\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#What_rent-to-price_ratio_do_I_need_for_positive_cash_flow\" >What rent-to-price ratio do I need for positive cash flow?<\/a><\/li>\n<\/ul>\n<\/li>\n<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\/property-cash-flow-calculator-how-to-use\/#Related_Calculators_and_Guides\" >Related Calculators and Guides<\/a><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Property_Cash_Flow\"><\/span><span class=\"ez-toc-section\" id=\"What_Is_Property_Cash_Flow\"><\/span>What Is Property Cash Flow<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Cash flow = Net Operating Income \u2212 Debt Service<\/strong><\/p>\n<p>NOI is rent minus vacancy minus operating expenses (tax, insurance, maintenance, management, CapEx reserves). Debt service is your monthly mortgage payment (P&amp;I). Positive cash flow = the property pays you every month. Negative = you pay the property.<\/p>\n<p>Cash flow is the most practical metric for rental investors \u2014 it answers &#8220;can I afford to hold this property?&#8221; Cap rate and ROI matter for evaluation, but cash flow determines whether you can make the mortgage payment if your W-2 income disappears. Use the <a href=\"\/property-cash-flow-calculator\">property cash flow calculator<\/a> alongside the <a href=\"\/cap-rate-calculator\">cap rate calculator<\/a> and <a href=\"\/cash-on-cash-calculator\">cash-on-cash calculator<\/a> for the complete picture.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Use_the_Property_Cash_Flow_Calculator\"><\/span><span class=\"ez-toc-section\" id=\"How_to_Use_the_Property_Cash_Flow_Calculator\"><\/span>How to Use the Property Cash Flow Calculator<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Step_1_%E2%80%94_Income\"><\/span><span class=\"ez-toc-section\" id=\"Step_1_%E2%80%94_Income\"><\/span>Step 1 \u2014 Income<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Monthly rent (all units combined), other income (laundry, parking, storage, pet fees), and vacancy rate. Set vacancy based on your market \u2014 5% for tight markets (Raleigh, Columbus), 8\u201310% for looser ones (Cleveland, Memphis). The calculator computes Effective Gross Income (EGI).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_2_%E2%80%94_Operating_Expenses\"><\/span><span class=\"ez-toc-section\" id=\"Step_2_%E2%80%94_Operating_Expenses\"><\/span>Step 2 \u2014 Operating Expenses<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Property tax (annual), insurance (annual), maintenance (budget 8\u201310% of gross rent), property management (8\u201310% of collected rent), CapEx reserves (5\u20138% of gross rent for roof, HVAC, water heater). Do NOT include mortgage here \u2014 that is Step 3.<\/p>\n<p>The difference between gross rent and total expenses = <strong>NOI<\/strong>. Calculate NOI separately in the <a href=\"\/noi-calculator\">NOI calculator<\/a> if you want to isolate operating performance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_3_%E2%80%94_Financing\"><\/span><span class=\"ez-toc-section\" id=\"Step_3_%E2%80%94_Financing\"><\/span>Step 3 \u2014 Financing<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Purchase price, down payment %, interest rate, loan term. The calculator computes monthly P&amp;I. This is subtracted from NOI to get cash flow.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_4_%E2%80%94_Read_Results\"><\/span><span class=\"ez-toc-section\" id=\"Step_4_%E2%80%94_Read_Results\"><\/span>Step 4 \u2014 Read Results<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Monthly cash flow, annual cash flow, and cash-on-cash return. The <a href=\"\/property-cash-flow-calculator\">calculator<\/a> also shows a year-by-year projection: rent growth vs expense growth shows when a marginal deal turns profitable (or when a good deal deteriorates).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_1_Indianapolis_Duplex_%E2%80%94_Positive_Cash_Flow\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_1_Indianapolis_Duplex_%E2%80%94_Positive_Cash_Flow\"><\/span>Worked Example 1: Indianapolis Duplex \u2014 Positive Cash Flow<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Property:<\/strong> Duplex in Indianapolis east side<br \/>\n<strong>Purchase:<\/strong> $160,000 \u00b7 <strong>Down:<\/strong> 25% ($40,000) \u00b7 <strong>Rate:<\/strong> 7.0%, 30yr<br \/>\n<strong>Rent:<\/strong> $900\/unit \u00d7 2 = $1,800\/month<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Income\"><\/span><span class=\"ez-toc-section\" id=\"Income\"><\/span>Income<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<pre><code>Gross rent: $1,800 \u00d7 12 = $21,600\nVacancy (6%): \u2212$1,296\nEGI: $20,304<\/code><\/pre>\n<h3><span class=\"ez-toc-section\" id=\"Operating_Expenses\"><\/span><span class=\"ez-toc-section\" id=\"Operating_Expenses\"><\/span>Operating Expenses<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Expense<\/th>\n<th>Annual<\/th>\n<th>Basis<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Property Tax<\/td>\n<td>$1,760<\/td>\n<td>1.1% of $160K<\/td>\n<\/tr>\n<tr>\n<td>Insurance<\/td>\n<td>$1,400<\/td>\n<td>Landlord policy, duplex<\/td>\n<\/tr>\n<tr>\n<td>Maintenance<\/td>\n<td>$1,728<\/td>\n<td>8% of gross rent<\/td>\n<\/tr>\n<tr>\n<td>Property Management<\/td>\n<td>$2,030<\/td>\n<td>10% of EGI<\/td>\n<\/tr>\n<tr>\n<td>CapEx Reserves<\/td>\n<td>$1,080<\/td>\n<td>5% of gross rent<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>$7,998<\/strong><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h3><span class=\"ez-toc-section\" id=\"Cash_Flow\"><\/span><span class=\"ez-toc-section\" id=\"Cash_Flow\"><\/span>Cash Flow<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<pre><code>NOI = $20,304 \u2212 $7,998 = $12,306\nMonthly P&I: $798 ($120K loan at 7%)\nAnnual debt service: $9,581\n\nAnnual cash flow: $12,306 \u2212 $9,581 = $2,725\nMonthly cash flow: $227\n\nTotal cash invested: $40,000 + $4,800 (closing) = $44,800\nCash-on-Cash Return: $2,725 \u00f7 $44,800 = 6.1%<\/code><\/pre>\n<p><strong>Result: +$227\/month cash flow, 6.1% CoC.<\/strong> This duplex pays for itself and generates income from day one. Indianapolis works because of the rent-to-price ratio: $1,800 rent on $160K = 1.1% monthly ratio. Anything above 0.8% tends to cash-flow positive at current rates.<\/p>\n<p>Run your own numbers in the <a href=\"\/property-cash-flow-calculator\">property cash flow calculator<\/a>. For state-specific analysis, use the <a href=\"\/states\/ohio\/rental-property-calculator\">Ohio calculator<\/a> (Indianapolis is similar market dynamics).<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"220\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-indianapolis.jpg\" alt=\"Property cash flow calculator Indianapolis: +$227\/mo \u2014 rent\/price 1.1% above the 0.8% threshold\" class=\"wp-image-987\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-indianapolis.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-indianapolis-300x73.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-indianapolis-768x188.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Indianapolis: +$227\/mo \u2014 rent\/price 1.1% above the 0.8% threshold<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_2_Memphis_SFR_%E2%80%94_Negative_Cash_Flow\"><\/span><span class=\"ez-toc-section\" id=\"Worked_Example_2_Memphis_SFR_%E2%80%94_Negative_Cash_Flow\"><\/span>Worked Example 2: Memphis SFR \u2014 Negative Cash Flow<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Property:<\/strong> 3-bed\/2-bath SFR in Memphis suburbs<br \/>\n<strong>Purchase:<\/strong> $180,000 \u00b7 <strong>Down:<\/strong> 25% ($45,000) \u00b7 <strong>Rate:<\/strong> 7.0%, 30yr<br \/>\n<strong>Rent:<\/strong> $1,400\/month<\/p>\n<pre><code>EGI: $15,624 (after 7% vacancy)\nExpenses: $8,506 (tax $2,160 + ins $1,600 + maint $1,344 + PM $1,562 + CapEx $840)\nNOI: $7,118\n\nMonthly P&I: $898\nAnnual debt service: $10,778\n\nAnnual cash flow: $7,118 \u2212 $10,778 = \u2212$3,660\nMonthly cash flow: \u2212$305<\/code><\/pre>\n<p><strong>Result: \u2212$305\/month.<\/strong> You subsidize this property $305 every month. At 7% rates with $1,400 rent on $180K, Memphis SFR does not cash-flow. The rent-to-price ratio is 0.78% \u2014 below the 0.8% threshold.<\/p>\n<p><strong>But total ROI might still be positive<\/strong> \u2014 appreciation + paydown can offset negative cash flow. Run this through the <a href=\"\/rental-property-roi-calculator\">ROI calculator<\/a> to see the full picture. A property at \u2212$305\/month cash flow can still deliver 8\u201310% annualized total return if appreciation runs 3%+. Read more in <a href=\"\/blog\/rental-property-roi-calculator-how-to-use\/\">ROI calculator guide<\/a>.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"200\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-vs-metrics.jpg\" alt=\"Property cash flow calculator Cash Flow vs Cap Rate vs NOI vs ROI: different questions, different metrics\" class=\"wp-image-989\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-vs-metrics.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-vs-metrics-300x67.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-vs-metrics-768x171.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Cash Flow vs Cap Rate vs NOI vs ROI: different questions, different metrics<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"Cash_Flow_vs_Other_Metrics\"><\/span><span class=\"ez-toc-section\" id=\"Cash_Flow_vs_Other_Metrics\"><\/span>Cash Flow vs Other Metrics<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>What It Measures<\/th>\n<th>Includes Mortgage?<\/th>\n<th>Use For<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Cash Flow<\/strong><\/td>\n<td>Monthly dollars in\/out of pocket<\/td>\n<td>Yes<\/td>\n<td>Can I afford this property?<\/td>\n<\/tr>\n<tr>\n<td><strong>NOI<\/strong><\/td>\n<td>Operating income before debt<\/td>\n<td>No<\/td>\n<td>Property performance independent of financing<\/td>\n<\/tr>\n<tr>\n<td><strong>Cap Rate<\/strong><\/td>\n<td>NOI \u00f7 Price (unlevered yield)<\/td>\n<td>No<\/td>\n<td>Comparing properties<\/td>\n<\/tr>\n<tr>\n<td><strong>Cash-on-Cash<\/strong><\/td>\n<td>Cash flow \u00f7 cash invested<\/td>\n<td>Yes<\/td>\n<td>Return on your actual dollars<\/td>\n<\/tr>\n<tr>\n<td><strong>Total ROI<\/strong><\/td>\n<td>CF + appreciation + paydown<\/td>\n<td>Yes<\/td>\n<td>Long-term wealth building<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Cash flow is the survival metric. Cap rate is the comparison metric. ROI is the wealth metric. Use all three: <a href=\"\/property-cash-flow-calculator\">cash flow calculator<\/a>, <a href=\"\/cap-rate-calculator\">cap rate calculator<\/a>, <a href=\"\/rental-property-roi-calculator\">ROI calculator<\/a>. For a complete analysis framework, see <a href=\"\/blog\/how-to-analyze-rental-property-investment\/\">how to analyze rental property<\/a>.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"220\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-capex.jpg\" alt=\"Property cash flow calculator CapEx trap: skip reserves and one roof kills 3 years of cash flow\" class=\"wp-image-990\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-capex.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-capex-300x73.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-capex-768x188.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>CapEx trap: skip reserves and one roof kills 3 years of cash flow<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"The_CapEx_Trap_Why_Cash_Flow_Projections_Fail\"><\/span><span class=\"ez-toc-section\" id=\"The_CapEx_Trap_Why_Cash_Flow_Projections_Fail\"><\/span>The CapEx Trap: Why Cash Flow Projections Fail<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most cash flow projections include maintenance (8% of rent) but skip CapEx reserves. Then a $12,000 roof replacement in Year 4 wipes out 3 years of cash flow.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Cost<\/th>\n<th>Lifespan<\/th>\n<th>Annual Reserve<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Roof<\/td>\n<td>$8,000\u2013$15,000<\/td>\n<td>20\u201325 years<\/td>\n<td>$400\u2013$600<\/td>\n<\/tr>\n<tr>\n<td>HVAC<\/td>\n<td>$4,000\u2013$8,000<\/td>\n<td>15\u201320 years<\/td>\n<td>$267\u2013$400<\/td>\n<\/tr>\n<tr>\n<td>Water Heater<\/td>\n<td>$1,200\u2013$2,500<\/td>\n<td>10\u201312 years<\/td>\n<td>$120\u2013$208<\/td>\n<\/tr>\n<tr>\n<td>Flooring<\/td>\n<td>$3,000\u2013$6,000<\/td>\n<td>10\u201315 years<\/td>\n<td>$300\u2013$400<\/td>\n<\/tr>\n<tr>\n<td>Appliances<\/td>\n<td>$2,000\u2013$4,000<\/td>\n<td>10\u201315 years<\/td>\n<td>$200\u2013$267<\/td>\n<\/tr>\n<tr>\n<td><strong>Total CapEx Reserve<\/strong><\/td>\n<td><\/td>\n<td><\/td>\n<td><strong>$1,287\u2013$1,875\/yr<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Budget 5\u20138% of gross rent for CapEx on top of 8% maintenance. On a $1,400\/month property: $840\u2013$1,344\/year CapEx + $1,344 maintenance = $2,184\u2013$2,688 total upkeep. The <a href=\"\/property-cash-flow-calculator\">cash flow calculator<\/a> has separate fields for maintenance and CapEx. For rehab-specific budgeting, use the <a href=\"\/rehab-cost-estimator\">rehab cost estimator<\/a>.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"220\" src=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-memphis.jpg\" alt=\"Property cash flow calculator Memphis: \u2212$305\/mo \u2014 but total ROI may still be 8%+ with appreciation\" class=\"wp-image-988\" srcset=\"https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-memphis.jpg 900w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-memphis-300x73.jpg 300w, https:\/\/arvcalc.com\/blog\/wp-content\/uploads\/2026\/08\/cf-memphis-768x188.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><figcaption>Memphis: \u2212$305\/mo \u2014 but total ROI may still be 8%+ with appreciation<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"5_Cash_Flow_Mistakes\"><\/span><span class=\"ez-toc-section\" id=\"5_Cash_Flow_Mistakes\"><\/span>5 Cash Flow Mistakes<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Skipping_CapEx_Reserves\"><\/span><span class=\"ez-toc-section\" id=\"1_Skipping_CapEx_Reserves\"><\/span>1. Skipping CapEx Reserves<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> $1,200\/year difference between &#8220;cash flow positive&#8221; and &#8220;cash flow negative&#8221; on a borderline deal. One roof replacement without reserves = emergency.<\/p>\n<p><strong>Fix:<\/strong> Budget 5% minimum of gross rent for CapEx. 8% for properties over 20 years old.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Using_Listed_Rent_Instead_of_Market_Rent\"><\/span><span class=\"ez-toc-section\" id=\"2_Using_Listed_Rent_Instead_of_Market_Rent\"><\/span>2. Using Listed Rent Instead of Market Rent<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> Sellers inflate rents. $200\/month overestimate = $2,400\/year phantom income = fake positive cash flow.<\/p>\n<p><strong>Fix:<\/strong> Verify rent with Zillow, Rentometer, and a local PM. Use the conservative estimate. Per <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\" target=\"_blank\" rel=\"noopener noreferrer\">NAR<\/a>, actual rents average 5\u20138% below listing estimates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Forgetting_Vacancy\"><\/span><span class=\"ez-toc-section\" id=\"3_Forgetting_Vacancy\"><\/span>3. Forgetting Vacancy<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> 0% vacancy = fantasy. Even the best markets have 4\u20135%. On $1,800\/month rent, 7% vacancy = $1,512\/year in lost income.<\/p>\n<p><strong>Fix:<\/strong> Use local vacancy data from <a href=\"https:\/\/fred.stlouisfed.org\/series\/RRVRUSQ156N\" target=\"_blank\" rel=\"noopener noreferrer\">FRED rental vacancy<\/a>. Never use 0%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Not_Including_Property_Management\"><\/span><span class=\"ez-toc-section\" id=\"4_Not_Including_Property_Management\"><\/span>4. Not Including Property Management<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> &#8220;I&#8217;ll self-manage&#8221; is a plan until it isn&#8217;t. Even if you self-manage, budget 10% PM fee \u2014 it is the replacement cost of your time and protects your cash flow projection from being misleading.<\/p>\n<p><strong>Fix:<\/strong> Always include PM in the <a href=\"\/property-cash-flow-calculator\">cash flow calculator<\/a>. If you self-manage, the &#8220;saved&#8221; PM fee is your management income, not free cash flow.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Ignoring_Expense_Growth\"><\/span><span class=\"ez-toc-section\" id=\"5_Ignoring_Expense_Growth\"><\/span>5. Ignoring Expense Growth<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Why:<\/strong> Insurance rose 15% in NC over 2 years. Property taxes get reassessed. Rent grows 3% but expenses grow 5% = cash flow shrinks every year.<\/p>\n<p><strong>Fix:<\/strong> Project expenses forward alongside rent. The cash flow calculator&#8217;s year-by-year view shows this trajectory. Run pessimistic scenarios in the <a href=\"\/rent-projection-calculator\">rent projection calculator<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_is_a_good_monthly_cash_flow_for_a_rental_property\"><\/span><span class=\"ez-toc-section\" id=\"What_is_a_good_monthly_cash_flow_for_a_rental_property\"><\/span>What is a good monthly cash flow for a rental property?<span class=\"ez-toc-section-end\"><\/span><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\">$100\u2013$200\/month per unit after all expenses including CapEx reserves. A duplex should target $200\u2013$400\/month total. At current 7% rates, many single-family properties in appreciation markets (Charlotte, Raleigh, Austin) produce negative cash flow. Cash-flow-positive deals at current rates typically require rent-to-price ratios above 0.8% monthly.<\/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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_is_property_cash_flow_different_from_NOI\"><\/span><span class=\"ez-toc-section\" id=\"How_is_property_cash_flow_different_from_NOI\"><\/span>How is property cash flow different from NOI?<span class=\"ez-toc-section-end\"><\/span><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\">NOI = rent minus vacancy minus operating expenses (before mortgage). Cash flow = NOI minus mortgage payment (after mortgage). A property can have strong NOI ($12,000) but negative cash flow (\u2212$3,000) if the mortgage exceeds NOI. NOI measures property performance. Cash flow measures your pocket. Calculate both: <a href=\"\/noi-calculator\">NOI calculator<\/a> and <a href=\"\/property-cash-flow-calculator\">cash flow calculator<\/a>.<\/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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"Should_I_buy_a_rental_property_with_negative_cash_flow\"><\/span><span class=\"ez-toc-section\" id=\"Should_I_buy_a_rental_property_with_negative_cash_flow\"><\/span>Should I buy a rental property with negative cash flow?<span class=\"ez-toc-section-end\"><\/span><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\">It depends on your financial reserves and strategy. Negative cash flow is acceptable if: (1) you can absorb the monthly loss for 3\u20135 years, (2) the total ROI (including appreciation + paydown) exceeds 8%, and (3) the market has strong fundamentals. A property at \u2212$200\/month with 3% annual appreciation can deliver 10% total ROI. But if you cannot cover the monthly drain, negative cash flow leads to forced sales. Run both scenarios in the <a href=\"\/rental-property-roi-calculator\">ROI calculator<\/a>.<\/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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_expenses_should_I_include_in_cash_flow_calculations\"><\/span><span class=\"ez-toc-section\" id=\"What_expenses_should_I_include_in_cash_flow_calculations\"><\/span>What expenses should I include in cash flow calculations?<span class=\"ez-toc-section-end\"><\/span><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\">All operating expenses: property tax, insurance, maintenance (8\u201310% of gross rent), property management (8\u201310% of collected rent), CapEx reserves (5\u20138% of gross rent), HOA (if applicable), and any owner-paid utilities. Plus the full mortgage payment (P&#038;I). Do NOT include income taxes or depreciation \u2014 those are below the cash flow line.<\/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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"How_does_down_payment_affect_cash_flow\"><\/span><span class=\"ez-toc-section\" id=\"How_does_down_payment_affect_cash_flow\"><\/span>How does down payment affect cash flow?<span class=\"ez-toc-section-end\"><\/span><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\">Higher down payment = lower loan = lower monthly P&#038;I = better cash flow. On a $180K property at 7%: 20% down = $958\/month P&#038;I, 25% down = $898, 30% down = $838. Each 5% more down improves cash flow by $60\/month ($720\/year). But higher down payment also means more cash tied up, reducing your cash-on-cash return. The <a href=\"\/property-cash-flow-calculator\">cash flow calculator<\/a> lets you compare different down payments side by side.<\/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\" onclick=\"const a=this.nextElementSibling;a.style.display=a.style.display==='none'?'block':'none'\"><span class=\"ez-toc-section\" id=\"What_rent-to-price_ratio_do_I_need_for_positive_cash_flow\"><\/span><span class=\"ez-toc-section\" id=\"What_rent-to-price_ratio_do_I_need_for_positive_cash_flow\"><\/span>What rent-to-price ratio do I need for positive cash flow?<span class=\"ez-toc-section-end\"><\/span><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\">At current 7% rates with 25% down, you generally need a monthly rent-to-price ratio above 0.8% for positive cash flow with professional management. The Indianapolis duplex ($1,800 rent \/ $160K price = 1.1%) is positive. The Memphis SFR ($1,400 \/ $180K = 0.78%) is negative. Markets like Cleveland (1.0%+), Indianapolis (0.9\u20131.1%), and Memphis duplexes (0.9%+) tend to work. Charlotte (0.4%), Raleigh (0.4%), and Austin (0.5%) do not.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Related_Calculators_and_Guides\"><\/span><span class=\"ez-toc-section\" id=\"Related_Calculators_and_Guides\"><\/span>Related Calculators and Guides<span class=\"ez-toc-section-end\"><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"\/property-cash-flow-calculator\"><strong>Property Cash Flow Calculator<\/strong><\/a> \u2014 Monthly + annual projections<\/li>\n<li><a href=\"\/noi-calculator\"><strong>NOI Calculator<\/strong><\/a> \u2014 Operating income before debt<\/li>\n<li><a href=\"\/cap-rate-calculator\"><strong>Cap Rate Calculator<\/strong><\/a> \u2014 Unlevered yield<\/li>\n<li><a href=\"\/cash-on-cash-calculator\"><strong>Cash-on-Cash Calculator<\/strong><\/a> \u2014 Return on cash invested<\/li>\n<li><a href=\"\/rental-property-roi-calculator\"><strong>ROI Calculator<\/strong><\/a> \u2014 Total return with appreciation<\/li>\n<li><a href=\"\/rent-projection-calculator\"><strong>Rent Projection Calculator<\/strong><\/a> \u2014 Future income forecasting<\/li>\n<li><a href=\"\/rental-property-calculator\"><strong>Rental Property Calculator<\/strong><\/a> \u2014 Full deal analysis<\/li>\n<li><a href=\"\/dscr-calculator\"><strong>DSCR Calculator<\/strong><\/a> \u2014 Loan qualification<\/li>\n<li><a href=\"\/vacancy-rate-calculator\"><strong>Vacancy Rate Calculator<\/strong><\/a><\/li>\n<li><a href=\"\/rehab-cost-estimator\"><strong>Rehab Cost Estimator<\/strong><\/a><\/li>\n<li><a href=\"\/calculators\"><strong>All 30+ Calculators<\/strong><\/a><\/li>\n<\/ul>\n<p>Blog guides:<\/p>\n<ul>\n<li><a href=\"\/blog\/calculate-rental-property-cash-flow-guide\/\">How to Calculate Rental Property Cash Flow<\/a><\/li>\n<li><a href=\"\/blog\/how-to-analyze-rental-property-investment\/\">How to Analyze Rental Property<\/a><\/li>\n<li><a href=\"\/blog\/net-operating-income-guide\/\">Net Operating Income Guide<\/a><\/li>\n<li><a href=\"\/blog\/rental-property-roi-calculator-how-to-use\/\">ROI Calculator Guide<\/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\/investment-property-down-payment-guide\/\">Down Payment Guide<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The property cash flow calculator shows you exactly how much money a rental property puts in your pocket each month \u2014 after every expense and the mortgage payment. An Indianapolis&#8230;<\/p>\n","protected":false},"author":1,"featured_media":985,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"_links":{"self":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/984","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=984"}],"version-history":[{"count":2,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/984\/revisions"}],"predecessor-version":[{"id":991,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/984\/revisions\/991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media\/985"}],"wp:attachment":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media?parent=984"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/categories?post=984"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/tags?post=984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}