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The Break-Even Math Isn’t Hard

Every investor loves the idea of cash flow — that steady monthly check from a tenant that keeps your business running. But here’s a question too many landlords can’t answer:

What’s your rental break-even point?

Your break-even point is the amount of rent you need to collect each month to cover all your expenses — mortgage, taxes, insurance, management fees, maintenance, vacancy allowance, and reserves.

If you don’t know that number, you’re not managing a business. You’re crossing your fingers and hoping the math works out.

Let’s make it simple:

• Add up every monthly cost related to the property.

• Don’t forget the hidden ones — like setting aside for repairs, CapEx, and vacancies.

• Divide that by the number of occupied months you expect in a year.

That’s your break-even rent.

If your property doesn’t rent for more than that, you’re not cash-flowing — you’re subsidizing your tenant’s housing.

Smart investors know this number before they ever buy a property. It’s the difference between hoping for profit and planning for it.

Know your break-even. Protect your business.

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