Cash-on-Cash Return Calculator
Real EstateCalculate your annual cash-on-cash return — the actual cash yield on the money you personally invested in a property.
Cash-on-Cash Return
Your annual cash return as a percentage of the actual cash you put into the deal (down payment, closing costs, repairs).
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Odeh AhwalBased on 3 sources
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Creators
Odeh AhwalBased on 3 sources
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Helpful
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Real Estate calculators
Frequently Asked Questions
How is cash-on-cash return different from cap rate?
Cap rate measures return on the full property price as if bought in cash. Cash-on-cash return measures return only on the actual cash you invested (down payment, closing costs) — making it the more relevant metric when using a mortgage.
What is a good cash-on-cash return?
Many real estate investors target 8-12% cash-on-cash return as a solid benchmark, though this varies by market, risk tolerance, and whether you're prioritizing cash flow or appreciation.
What should be included in total cash invested?
Include your down payment, closing costs, and any upfront repair or renovation costs — essentially every dollar of your own cash that went into acquiring and preparing the property.
Sources
- Financial Analysis Tools for Commercial Real Estate, CCIM Institute
- Rental Income (Selling Guide, B3-3.8-01), Fannie Mae
- Commercial Real Estate Metro Market Reports, National Association of Realtors (NAR)
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