Cash on Cash Return Calculator
Measure annual pre-tax cash flow yield generated on actual out-of-pocket cash invested, factoring in down payment, closing fees, rehab capital, and mortgage amortization.
Acquisition & Cash Invested
Rental Income & Operating Costs
Cash-on-Cash Performance
Leveraged return on actual capital invested
Cash on Cash Return Mathematical Architecture
The CoC Return Formula
Unlike ROI which factors in total purchase price and hypothetical future appreciation, Cash on Cash measures actual spendable cash distributions against cash out-of-pocket.
Positive vs. Negative Leverage
When debt costs less than the asset yield, taking a mortgage magnifies investor equity returns. If debt cost exceeds cap rate, mortgage payments erode cash returns.
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