Rental Cash-on-Cash Return Calculator

Cash-on-cash return tells you what a rental property actually pays on the cash you put in — not the price. Enter the purchase, financing, income, and expense numbers and get the return, cap rate, monthly cash flow, and the occupancy you need to break even.

Estimates only — not financial advice. Mortgage numbers assume a fixed-rate, fully amortizing loan. Property taxes, insurance, and maintenance vary widely by market; verify with local data.

Purchase price $

Down payment %

Closing costs $ (fees, points, prepaid)

Mortgage rate % (APR)

Loan term (years)

Monthly rent $ Vacancy % (8% ≈ one month vacant per year)

Property tax $/month

Insurance $/month

HOA / other $/month

Management % of rent

Maintenance reserve % of rent

CapEx reserve % of rent