ADU rental ROI calculator
Turn a build-cost estimate into a rental return. Enter your likely rent and the cost from the cost calculator, choose cash or financing, and see annual net cash flow, payback years, and 20-year cumulative cash flow. Excludes property appreciation.
Your inputs
Tip: pull this from the ADU cost calculator.
Taxes, insurance, maintenance, management, vacancy.
Results
Gross rent / yr$21,600
Operating expenses (35%)$7,560
Net operating income / yr$14,040
Loan payment / yr$17,014
Cash invested (down payment)$44,000
Net cash flow / yr$-2,974
Payback periodn/a (negative)
20-yr cumulative net cash flow$-59,483
Total interest paid (life of loan)$164,283
Excludes property appreciation and resale equity. Loan math uses standard amortization on the example rate — verify terms with your lender. For a no-debt view, switch financing to “All cash”.