Operator utility

Cash-on-Cash Return

Cash-on-cash measures actual cash returned vs. cash invested in a rental. Plug in rent, expenses, and your down payment + closing costs to see your real annual return percentage.

Monthly rent

Vacancy %

Monthly mortgage (P+I)

Property taxes /mo

Insurance /mo

Maintenance /mo

Management %

Down payment

Closing costs

Cash-on-cash return

5.5%

Below benchmark — consider negotiating purchase price or rent.

Annual cash flow: $3,756.00
Monthly cash flow: $313.00
Total invested: $68,000.00
Annual expenses: $22,644.00

How to use it

STEP 01
Estimate income
Use realistic rent and vacancy assumptions for the property you are reviewing.
STEP 02
Add operating costs
Include financing, taxes, insurance, maintenance, and management assumptions.
STEP 03
Compare the result
Treat the output as an underwriting aid, not a promise of investment performance.

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Use the calculator or cleaner as one step inside a broader property intelligence workflow.

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Cash-on-cash return as an underwriting lens

Cash-on-cash return compares annual cash flow with the cash invested. It can help compare scenarios, but the output depends on the assumptions entered and is not a forecast or investment recommendation.

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