Cash on Cash Return Calculator

Calculate your real estate investment's cash-on-cash return, cap rate, and cash flow. Essential metrics for evaluating rental property profitability in 2025.

🏠 Property Details

Purchase & Investment

Purchase Price ($)

Down Payment (%)

Closing Costs ($)

Renovation/Repairs ($)

Rental Income

Monthly Rent ($)

Other Income ($)

Vacancy Rate (%)

Operating Expenses

Property Tax/yr ($)

Insurance/yr ($)

Maintenance (%)

Management (%)

HOA/mo ($)

Utilities/mo ($)

Financing

Interest Rate (%)

Loan Term (years)

💰 Cash on Cash Return

2.66%

Poor Investment

Monthly Cash Flow

$337

Annual Cash Flow

$4,045

📊 Key Investment Metrics

Cap Rate

6.95%

GRM

9.6x

DSCR

1.13

Break-Even

87.25%

📋 Financial Breakdown

Total Cash Invested$152,000

Loan Amount$375,000

Gross Annual Income$52,200

Vacancy Loss-$2,610

Operating Expenses-$14,847

NOI (Net Operating Income)$34,743

Annual Debt Service-$30,698

Annual Cash Flow$4,045

📈 Industry Benchmarks

Cash on Cash Return8-12% = Good, 12%+ = Excellent

Cap Rate5-10% typical for residential

DSCR1.25+ required by most lenders

Expense Ratio35-50% is typical