Cap rate, real cash flow, and return on the cash you put in — including the expenses most analyses leave out. Estimate only, not investment advice.
Estimates only — not investment, tax, or legal advice. How we calculate every figure
Estimated all-in monthly payment for a home price you have in mind.
What homeowners insurance costs in your state, and whether what you pay is out of line.
Income, savings, and debts in — max home price and qualification signal out.
A rental bought for $300,000 and sold seven years later for $394,780 nets $158,925 at closing — and owes about $24,753 of federal tax, $15,273 of it on depreciation you were required to take. Here is the math, why a sale with zero appreciation still owes tax, and the three clocks a fourth-quarter sale starts.
A leveraged rental makes money three ways and cash flow is only one of them. Here is what the other two are worth — and why the structure that maximises them is a bet, not a plan.
How to verify one specific rental deal: audit the seller's pro-forma line by line, comp a real rent, reassess the tax, age the systems, and price the offer the numbers actually support.
Set up basis correctly, claim the depreciation you are owed, survive the passive-loss rules, and know what the sale will cost — with every figure tied to the statute.
Oregon guide
Oregon has a wildfire problem and, on the face of the policy, no wildfire deductible.
That is genuinely unusual and it is worth understanding why. Oregon is not among the nineteen states plus D.C. that the Insurance Information Institute identifies as having hurricane or named-storm deductibles, which is unsurprising. But it also has no separate percentage wildfire deductible in the admitted market and no statute creating one, and separate wind-and-hail deductibles are rare here too — Insurify's May 2026 hail study measures Oregon's average wind/hail deductible at 0.68% of dwelling coverage, among the lowest in the country. Wildfire in Oregon is settled as an ordinary fire loss under the policy's standard all-perils deductible, which is $1,000.
Compare that to Colorado, where the same house would carry a separate wind-and-hail deductible of 2% of the dwelling limit — $6,000 on a $300,000 policy. Oregon's $1,000 is not a rounding difference. It is a different structure.
The premium is cheap too. $1,484 a year at $300,000 of dwelling coverage is the lowest in this batch — 5.38% of gross rent on the example below, and only 13.48% of total operating expenses.
So the expense that decides an Oregon rental is property tax. At 0.81% the bill on the statewide median is $4,223.08 — 2.85 times the insurance premium. Oregon is the exact mirror image of Florida, where insurance is 2.6 times the tax bill. And the county-level spread in tax rates is the widest in this batch by a distance.
If you take one thing from this article: in Oregon, the tax rate for the specific county is the number to get right, and the insurance question is about availability rather than price.
A note before you start: this is general educational information about how rental property arithmetic works in Oregon. It is not investment, tax, insurance, or legal advice, and it is not a recommendation about any property. Oregon property tax is administered county by county and Oregon's assessment system is not a simple percentage of market value — see Section 2. Oregon also has a statewide framework governing residential rent increases and terminations that is not covered here and that you must not take from an article. Talk to an Oregon CPA about tax treatment, a licensed Oregon insurance agent about a real quote, and an Oregon real estate attorney about anything contractual.
Read the full Oregon guide →18 min read · Updated 2026-08-28