Haven Rental Investment Scenarios
Compare how purchase price, rent, expenses, and financing affect rental investment returns across 15 example scenarios labeled by metro.
The price, rent, tax, and insurance inputs below lack verified source records and observation dates. Treat them as illustrative assumptions, not current market medians, quotes, or recommendations. The order compares these scenarios only; it does not rank the best markets to buy in.
Financing changes cash flow
These examples assume 20% down and a 6.75% interest rate. A different loan amount or rate changes debt service and the cash left after expenses. The rate is a model input, not a current lender quote.
Check property expenses
Tax and insurance values are assumptions for each example. Replace them with the property's tax assessment and insurance quotes before evaluating a purchase. Coverage and costs depend on the specific property.
Compare individual deals
These fixed examples cannot establish citywide investment performance. Use a specific property's purchase price, achievable rent, operating costs, and financing terms to model your own deal.
Illustrative scenarios ordered by modeled return
Modeled on standardized single-family residential properties (20% Down, 6.75% 30-year fixed loan, 5% Vacancy, 10% Maintenance, 8% Management).
| Order & Metro Label | Assumed Price | Assumed Monthly Rent | Assumed Annual Tax Rate | Assumed Insurance | Cap Rate | Cash-on-Cash | DSCR Ratio | Model Tier |
|---|---|---|---|---|---|---|---|---|
| 1Indianapolis-Carmel-Anderson (IN) | $310k | $2,150 | 0.81% | $140/mo | 5.06% | -5.1% | 0.81x | Stronger |
| 2Memphis-Bartlett (TN) | $265k | $1,850 | 0.67% | $165/mo | 5.03% | -5.2% | 0.81x | Stronger |
| 3Atlanta-Sandy Springs-Alpharetta (GA) | $395k | $2,650 | 0.91% | $175/mo | 4.76% | -6.4% | 0.76x | Stronger |
| 4Charlotte-Concord-Gastonia (NC) | $420k | $2,550 | 0.7% | $155/mo | 4.47% | -7.6% | 0.72x | Stronger |
| 5Kansas City-Overland Park (MO) | $325k | $2,100 | 1.01% | $160/mo | 4.37% | -8.1% | 0.70x | Stronger |
| 6Tampa-St. Petersburg-Clearwater (FL) | $415k | $2,600 | 0.91% | $280/mo | 4.07% | -9.4% | 0.65x | Moderate |
| 7Phoenix-Mesa-Chandler (AZ) | $460k | $2,500 | 0.6% | $145/mo | 4.04% | -9.5% | 0.65x | Moderate |
| 8Orlando-Kissimmee-Sanford (FL) | $425k | $2,600 | 0.91% | $295/mo | 3.91% | -10.1% | 0.63x | Moderate |
| 9Miami-Fort Lauderdale-Pompano (FL) | $580k | $3,400 | 0.91% | $385/mo | 3.71% | -10.9% | 0.60x | Moderate |
| 10Denver-Aurora-Lakewood (CO) | $590k | $2,850 | 0.51% | $180/mo | 3.59% | -11.5% | 0.58x | Moderate |
| 11Dallas-Fort Worth-Arlington (TX) | $430k | $2,700 | 1.8% | $210/mo | 3.42% | -12.2% | 0.55x | Moderate |
| 12Houston-The Woodlands-Sugar Land (TX) | $350k | $2,250 | 1.8% | $260/mo | 3.25% | -12.9% | 0.52x | Weaker |
| 13Los Angeles-Long Beach-Anaheim (CA) | $890k | $3,850 | 0.75% | $190/mo | 2.99% | -14.1% | 0.48x | Weaker |
| 14Seattle-Tacoma-Bellevue (WA) | $780k | $3,500 | 0.98% | $150/mo | 2.94% | -14.3% | 0.47x | Weaker |
| 15Austin-Round Rock-Georgetown (TX) | $545k | $2,950 | 1.8% | $195/mo | 2.77% | -15.0% | 0.45x | Weaker |
Scenario Methodology & Assumptions
These Haven rental investment scenarios apply the same underwriting formulas to fixed example inputs. They are not a sampled study of listings. Input provenance has not been verified, and demographic or employment data does not enter the calculations shown here.
- Property taxes: The assumed annual percentage is multiplied by purchase price and divided by 12. These percentages are scenario inputs, not statutory state tax rates.
- Insurance: Each row uses the fixed monthly amount displayed. No insurer quote or coverage determination is implied.
- Operating income: Monthly rent less vacancy, maintenance, management, property tax, and insurance produces modeled net operating income. HOA fees default to zero in these examples.
- Operating allowances: Vacancy is 5%, maintenance is 10%, and management is 8% of gross rent. Actual costs and separate capital expenditures may differ.
- Financing: The model assumes 20% down, a 6.75% annual interest rate, a 30-year amortization term, and acquisition closing costs of 3% of the purchase price.
- Outputs: Cap rate is annual net operating income divided by price. Cash-on-cash return is annual cash flow after debt service divided by down payment plus closing costs. DSCR is net operating income divided by debt service; the displayed tier is a model label, not lender approval.
Use the model with your own inputs
Open the rental property calculator to enter a property's price, rent, expenses, and financing assumptions. When sharing these examples, preserve the illustrative label and assumptions; they do not establish current market performance.
Haven Rental Investment Scenarios. Illustrative model with unverified market inputs. ScoutHavens. Updated October 6, 2026.
<a href="https://www.scouthavens.com/research/rental-investment-index">Haven illustrative rental investment scenarios</a>Model a specific deal with the rental property calculator.