Calculate your actual cash return on real estate investments based on cash invested and cash flow
Investment Details
Rental Property
Traditional rental income
Fix & Flip
Short-term renovation profit
Cash Investment
$50,000$5,000,000
$
$
$
Income & Cash Flow
$
$
Operating Expenses
Monthly Mortgage Payment ($)
$
Property Taxes (Monthly) ($)
$
Insurance (Monthly) ($)
$
Maintenance (Monthly) ($)
$
Management Fees (%)
Utilities (Monthly) ($)
$
Financing Details
Agent commissions, closing costs
Cash on Cash Return Analysis
Annual Cash on Cash Return
12.4%
0%8%16%24%
12.4%
Good Investment Potential
Total Cash Invested
$72,500
Annual Cash Flow
$9,000
Total Profit at Sale
$32,500
Total Return on Cash
57.2%
Annual Cash Flow Projection
Return Comparison
Your Return
Market Avg
Savings Account
Stock Market
Cash Investment Breakdown
Down Payment$50,000
Closing Costs$7,500
Renovation Costs$15,000
Initial Reserves$5,000
Total Cash Invested$72,500
Annual Cash Flow Analysis
Annual Rental Income$21,600
Vacancy Loss (5%)-$1,080
Effective Rental Income$20,520
Total Operating Expenses-$11,520
Annual Net Operating Income$9,000
Sale & Profit Analysis
Selling Price$300,000
Selling Costs (6%)-$18,000
Mortgage Payoff-$199,500
Net Proceeds from Sale$82,500
Total Profit at Sale$32,500
Investment Performance
Annual Cash on Cash Return12.4%
Total Return on Cash57.2%
Internal Rate of Return (IRR)18.6%
Payback Period8.1 years
Investment GradeB+
Note: Cash on Cash Return measures the annual return on actual cash invested. It's calculated as (Annual Pre-Tax Cash Flow ÷ Total Cash Invested) × 100. This metric is particularly useful for leveraged real estate investments where mortgage financing is used.
Disclaimer: Cash on Cash Return is one of the most important metrics for real estate investors as it measures the actual cash return on money invested. A good CoC return typically exceeds 8-12%, but varies by market and risk tolerance. This calculation doesn't account for tax benefits (depreciation, deductions) which can significantly improve actual returns.