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Cash-on-Cash Return Calculator
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Type whole dollars. Commas and symbols are ignored.
Cash-on-cash return
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Enter both numbers to see the result.
Many buy-and-hold investors target 8%+ cash-on-cash; below ~5% the deal is leaning on appreciation, not cash flow.
What it measures
Cash-on-cash return is your annual pre-tax cash flow divided by the actual cash you put in (down payment + closing + rehab). Unlike cap rate, it reflects your financing. It's the number that tells you what your invested dollars actually earn in year one.
Questions
What's a good cash-on-cash return?
8%+ is a common target for cash-flow investors. Below 5% means you're betting on appreciation or rent growth rather than current income.
Cash-on-cash vs cap rate?
Cap rate ignores your loan (unleveraged yield); cash-on-cash includes it (your actual return on cash in). Use both: cap rate to compare deals, cash-on-cash to judge your own return.
One number screens a deal. The full analysis underwrites it.
10 specialist reads, a 10,000-path Monte Carlo and a pencil price: the most you can pay and still clear the lender's DSCR floor. 2-3 minutes and under $3 a building.
- specialist reads per deal
- 10
- Monte Carlo paths
- 10,000
- per full analysis
- 2-3 min
- a building, any plan
- <$3