What does collected occupancy mean?
It is the share of scheduled rent expected to be collected after the scenario's combined vacancy, turnover, and collection-loss allowance. It is a modeling input, not a forecast.
US · USDTransparent educational estimate
Break-Even Rent and Occupancy Calculator
Estimate the scheduled monthly rent or collected-occupancy rate required to cover modeled operating expenses, direct debt service, and an optional cash-flow target. Both inverse results and arithmetic margins stay visible.
What this baseline models
- One monthly period and USD units
- Scheduled rent × collected occupancy
- Direct operating-expense and debt-service totals
- Optional user-entered cash-flow target
Local workspace
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Solve rent and occupancy from one scenario
Inputs and assumptions
Use one monthly period for rent, fixed other income, operating expenses, direct debt service, and the optional cash-flow target.
Required scheduled rent
$2,692.79
At the entered collected-occupancy assumption
Required occupancy
94.75%
At the entered scheduled monthly rent
Modeled target status
Above target
Compared at displayed cent precision
Cash flow above or below target
$6.85
Modeled monthly cash flow minus entered target
Break-even and target detail
Monthly collection, cost, cash-flow, and arithmetic margin details for the entered scenario.
- Modeled monthly costs
- $2,408.15
- Required rental collection
- $2,558.15
- Modeled rental collection
- $2,565.00
- Modeled total income
- $2,665.00
- Modeled monthly cash flow
- $256.85
- Scheduled-rent margin
- $7.21
- Occupancy margin
- 0.25% points
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The compressed scenario stays in the link fragment and is decoded in your browser. Use the report's print action to print or save it as a PDF.
Assumption checks
Deterministic checks based only on this scenario's inputs and outputs.
Debt service is entered directly
The calculation does not infer interest rate, amortization, loan term, interest-only periods, balloons, taxes, or lender qualification.
Occupancy sensitivity
The same engine shifts collected occupancy by 5 and 10 percentage points while scheduled rent, costs, other income, and target remain fixed. Clamped duplicate boundary rows are removed.
Required-rent sensitivity details
| Occupancy shift | Occupancy | Required rent | Rent margin | Target status |
|---|---|---|---|---|
| -10.00 pp | 85.00% | $3,009.59 | -$309.59 | Below target |
| -5.00 pp | 90.00% | $2,842.39 | -$142.39 | Below target |
| Base | 95.00% | $2,692.79 | $7.21 | Above target |
| +5.00 pp | 100.00% | $2,558.15 | $141.85 | Above target |
Formula reference
Every output is explainable
Money is displayed in USD and rates are entered as percentages where applicable. Formula version rental-break-even@1.0.0 stays attached to the result.
Modeled monthly costs
Operating expenses + Debt service
Operating expenses and direct debt service use the same monthly USD period. Debt service is supplied directly rather than inferred from loan terms.
Required rental collection
Maximum of $0 and (Monthly costs + Target cash flow - Other income)
Fixed other income supports the modeled costs and user-entered target before rent is required. The result cannot be negative.
Required scheduled rent
Required rental collection ÷ Occupancy rate
This is the scheduled monthly rent needed at the entered collected-occupancy assumption. A positive requirement cannot be divided by 0% occupancy.
Required occupancy
Required rental collection ÷ Scheduled monthly rent
This is the collected-occupancy rate needed at the entered scheduled rent. A result above 100% is preserved and flagged as impossible at that rent.
Modeled monthly cash flow
(Scheduled rent × Occupancy rate) + Other income - Monthly costs
Occupancy acts as a collected-rent rate. Fixed other income is not reduced by the occupancy assumption.
Modeled safety margins
Entered rent or occupancy - Corresponding required rent or occupancy
Margins are arithmetic differences around the user-entered target. They are not forecasts, risk scores, or recommended thresholds.
Example scenario
Two inverse answers from one monthly scenario
The editable example uses $2,700 scheduled rent, 95% collected occupancy, $100 fixed other income, $986 operating expenses, $1,422.15 debt service, and a $250 monthly target. It requires $2,692.79 rent or 94.75% occupancy and finishes $6.85 above the target.
Open the example in the calculatorRequired scheduled rent
$2,692.79
Required occupancy
94.75%
Modeled monthly cash flow
$256.85
Cash flow above target
$6.85
FAQ
Common questions
What changes when I switch modes?
Both required rent and required occupancy use the same formulas and remain visible. The mode changes only the emphasized decision and whether sensitivity shifts occupancy or scheduled rent.
Is this cash-flow break-even or NOI break-even?
Version 1 is cash-flow break-even because it includes direct monthly debt service. Set debt service to zero to inspect an operating-only requirement, while keeping any selected target and other income visible.
Does the required rent reflect market conditions?
No. It is the mathematical rent required by the entered costs, occupancy, income, and target. It does not estimate market rent, legal rent limits, tenant demand, or investment suitability.
Guide, methodology, and related calculators
Read the supporting methodology, then compare this result with another view of income, financing, or project returns. Each calculator uses its own transparent assumptions.