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Section 8 cash flow calculator.
Enter your ZIP code or a target market, plug in a purchase price, and see monthly cash flow against FY2026 HUD Fair Market Rent — free, no signup.
Property mgmt + maintenance + vacancy + CapEx reserves, as % of FMR
3BR FMR (Any landlord-friendly market):$1,594/mo
Est. monthly P&I (25% down):$860
Net monthly cash flow:$36
Breakeven price (CF ≥ $0):$165,618
Max price for 8% cash-on-cash:$131,285
Cap rate at this price:6.72%
Vacancy runway:8 months
Estimates only. Assumes 25% down, 30-year fixed. FY2026 county-level FMR — not financial advice.