Cash-on-Cash Return Calculator
Cash-on-cash return is your annual pre-tax cash flow divided by the cash you actually invested (down payment + closing + rehab). Unlike cap rate, it accounts for your mortgage — so it reflects your real leveraged return.
Results
- Mortgage payment / mo
- $1,247
- Monthly cash flow
- $153
- Total cash invested
- $72,500
- Cash-on-cash return
- 2.5%
Estimates for educational use — not financial advice. Verify every figure for your own deal.
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Go deeper
Learn the strategy behind the numbers: The lowest-friction on-ramp to real estate investing — live in part of a property, rent the rest.
Read: House HackingFAQ
What's a good cash-on-cash return?+
Many buy-and-hold investors look for 8%+ cash-on-cash, though this varies widely by market and strategy. Appreciation-focused markets often deliver lower cash-on-cash but higher total return.
What counts as cash invested?+
Your down payment plus out-of-pocket closing costs and any upfront rehab — every dollar you put in that isn't financed.
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Want this as a spreadsheet?
Download the free Rental Property ROI Calculator — the Excel version of this tool, with Buy & Hold and BRRRR analyzers built in.