Cash-on-Cash Real Estate Analyzer Underwrite deals, stress-test scenarios, and project 10-year wealth creation.
🏠 Deal Analyzer 📊 Scenario Analysis 📈 Wealth Projector
Total Cash Required
$66,000
Down: $60K + Closing: $6K + Rehab: $0
⚠️ PMI Required (down < 20%)
Gross Rent/mo --
Operating Expenses --
NOI/yr ⓘ --
P&I Mortgage/mo --
Monthly Cash Flow --
Mode Target CoC % Target Cash Flow
Rent: -- − Exp: -- − P&I: -- = CF: --
Depreciable Basis (80%) --
Annual Depreciation / 27.5 yrs --
Est. Tax Benefit (24% bracket) --
💡 Enter your property details above to see personalized investment insights.
🔗 Share URL ⬇ Export CSV 📋 Copy
All scenarios use your Deal Analyzer inputs as the Base Case . Adjust sliders to model Bear and Bull cases.
CoC Return --
Cash Flow/mo --
Cap Rate --
DSCR --
Total ROI (yr 1) --
Your current Deal Analyzer inputs
CoC Return --
Cash Flow/mo --
Cap Rate --
DSCR --
Total ROI (yr 1) --
CoC Return --
Cash Flow/mo --
Cap Rate --
DSCR --
Total ROI (yr 1) --
Rows = rent variation · Columns = purchase price variation from your current inputs. Green >8% · Yellow 5–8% · Red <5%
Break-Even Vacancy
--
Vacancy % that drives monthly cash flow to zero
Break-Even Rent
--
Min rent needed for positive cash flow
Break-Even Price
--
Max purchase price for 8% CoC target
Year Rent/mo Expenses/mo Cash Flow/mo Property Value Loan Balance Equity Cumul. Cash Flow Total Wealth
Model a cash-out refinance after rehab to recover your initial capital.
New Loan (ARV × LTV) --
Cash-Out Amount --
Cash Left in Deal --
New P&I/mo --
Post-Refi CoC --
Compare holding vs. selling and reinvesting proceeds in the S&P 500 (7% avg annual return).
5 Years 10 Years 15 Years
🏠 Hold Property
Cumul. Cash Flow --
Equity Gain --
Appreciation --
Total Return --
VS
📈 S&P 500 (7%/yr)
Initial Investment --
Growth --
Total Value --
How to Use This Calculator 1
Enter Investment Details Input purchase price, down payment, closing costs, and any renovation budget.
2
Add Income and Expenses Enter monthly rent, vacancy rate, and all operating expenses.
3
Review Cash Returns See your cash-on-cash return, monthly cash flow, and investment performance metrics.
Key Terms
Cash-on-Cash Return The ratio of annual pre-tax cash flow to total cash invested. The most relevant return metric for leveraged real estate investments.
Total Cash Invested Down payment plus closing costs plus any renovation expenses — your total out-of-pocket investment.
Debt Service Total annual mortgage payments including principal and interest. Does not include taxes or insurance.
Equity Build The portion of each mortgage payment that reduces the loan balance, building your ownership stake in the property. Real-World Examples Example 1
Strong Cash-on-Cash
Invested: $75,000 (down + closing), Annual cash flow: $7,200
Result: Cash-on-cash return = 9.6%. Each dollar invested generates nearly 10 cents per year in cash flow.
Example 2
BRRRR Strategy
Invested: $50,000, After refinance recover $35,000, Annual cash flow: $4,800, Remaining invested: $15,000
Result: Effective CoC = 32%. The BRRRR strategy dramatically improves returns by recycling capital.
Understanding Cash-on-Cash Returns in Real Estate Why CoC Beats Cap Rate for Investors Cap rate ignores financing, but most investors use leverage. Cash-on-cash return shows what your actual dollars earn. A 5% cap rate property can deliver 12%+ CoC return with favorable financing.
What Is a Good Cash-on-Cash Return? Most investors target 8-12% CoC. In high-cost markets, 5-7% may be acceptable with strong appreciation potential. In cash-flow markets, 10-15% is achievable. Always compare CoC to alternative investments like index funds.
Improving Your Cash-on-Cash Return Increase rent, reduce expenses, negotiate a lower purchase price, or put less money down. The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) maximizes CoC by recovering invested capital through refinancing.