Inputs
Down payment + closing costs + rehab
Tax, insurance, maintenance (exclude mortgage)
Results
Cash-on-Cash Return
2.63%
More details
How to Use
- 1Enter your total cash invested — down payment plus closing costs plus any initial repairs.
- 2Input monthly gross rent (what tenants pay before any deductions).
- 3Add monthly operating expenses: property tax + insurance + maintenance (excluding mortgage).
- 4Enter your monthly mortgage payment (principal + interest only).
- 5Your cash-on-cash return and monthly cash flow appear instantly.
Frequently Asked Questions
What is a good cash-on-cash return?+
A 6–10% CoC return is generally considered solid for residential rentals. Some investors target 8–12%. Ultra-low rates (below 4%) may be acceptable in appreciation-driven markets like coastal cities.
How is CoC different from ROI?+
CoC measures annual cash flow against cash invested. ROI can include appreciation, loan paydown, and tax benefits over a longer horizon. CoC is better for year-one performance comparison.
Does cash-on-cash include mortgage paydown?+
No — CoC is a cash flow metric only. Mortgage principal paydown (equity building) is an additional return not captured in CoC. Total return is higher than CoC suggests.
Should I use all-cash or financed CoC?+
Both are useful. All-cash CoC equals cap rate. Financed CoC measures the return on leveraged capital — often higher than all-cash in low-rate environments, but risk increases with leverage.
What expenses should I include?+
Include property tax, homeowners insurance, maintenance reserves (1% of value/year), property management fees, HOA if applicable, and utilities you pay. Exclude mortgage P&I as that's a separate input.
This calculator is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional before making real estate or financial decisions.