Analyze cash flow and ROI on rental real estate.
Cash flow = rental income − operating expenses − mortgage payment; ROI = net annual income / total cash invested.
$24,000 annual rent, $9,600 expenses, $10,000 mortgage interest on $50,000 cash invested yields roughly 8.8% cash-on-cash return.
It is the annual pre-tax cash flow divided by the total cash you invested (down payment plus closing costs), expressed as a percentage.
Cash-on-cash return measures yearly cash flow only. Total return also includes appreciation and loan paydown, which this calculator may not fully capture.
Include property taxes, insurance, maintenance, property management, HOA fees, and a vacancy allowance, plus the mortgage payment.
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