How Hard Are Your Dollars Working? Cash-on-Cash Return Calculator
Cap rate is a useful starting point, but it doesn’t account for financing — and most investors use a mortgage. Cash-on-cash return tells you the actual percentage yield on the real dollars you put into a deal: your down payment, closing costs, and any upfront repairs. It’s the number that tells you whether leveraging that property was worth it. Enter your numbers below and see your true annual return after every expense and debt payment is accounted for.
Team Denehy · Investor Tools
Cash-on-Cash Return Calculator
When you use a mortgage to invest, cap rate alone doesn’t tell the whole story. See exactly how hard your out-of-pocket dollars are working.
💰Your Cash Investment
$
Typically 20–25% for investment property
$
~2–3% of purchase price
$
Any upfront work before renting
🏠Monthly Income & All Expenses
$
$
Principal & interest only
$
$
$
$
$
$
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Cash-on-Cash Return
Annual yield on cash invested
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Net Monthly Cash Flow
After all expenses & mortgage
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Net Annual Cash Flow
Total cash in your pocket/year
📈Full Breakdown
Cash Invested
Down Payment—
Closing Costs—
Rehab / Repairs—
Total Cash In—
Monthly Cash Flow
Rental Income—
Mortgage (P&I)—
Operating Expenses—
Net Cash Flow—
ⓘ Cash-on-Cash measures the annual return on the actual dollars you invested — down payment, closing costs, and rehab. A CoC of 8%+ is generally considered strong. Note that this doesn’t include equity buildup from mortgage paydown or property appreciation, both of which increase your total return over time.
Want to see deals that pencil out?
We actively track multi-family and investment listings in Fentress County. Let’s find properties that match your return targets.
Talk to Team Denehy →