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Cash-on-Cash Return Calculator
Property Information
Purchase Price
$
Down Payment
$
Loan Amount
$
Interest Rate (%)
Loan Term (years)
15 years
20 years
30 years
Monthly Rent
$
Annual Rent (optional, leave 0 to use monthly × 12)
$
Annual Property Tax
$
Annual Insurance
$
Annual Maintenance
$
Property Management (annual $ or % as decimal, e.g., 0.10 for 10%)
$
Vacancy Rate (%)
Other Annual Expenses
$
Closing Costs
$
Initial Repairs/Rehab
$
About Cash-on-Cash Return
What It Measures:
Annual return on your actual cash investment
Pre-tax cash flow from the property
Excludes appreciation and tax benefits
Key metric for cash flow investors
Helps compare different investment opportunities
Important Factors:
Higher down payment = lower CoC (but more equity)
Lower interest rates improve cash flow
Vacancy rates significantly impact returns
Property management fees reduce cash flow
Consider all operating expenses
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