Tools › Cash-on-Cash Return
Free Tool
Cash-on-cash return calculator.
Cap rate ignores your loan; cash-on-cash doesn’t. This measures the annual pre-tax cash flow you earn on the real cash you put into a deal — down payment, closing, and upfront capital.
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Cash-on-cash return
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Annual pre-tax cash flow
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Implied DSCR
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Cash-on-cash = annual pre-tax cash flow ÷ total cash invested. Cash flow is NOI minus debt service; cash invested is your down payment plus closing costs and any upfront capital. Leverage boosts cash-on-cash when the cap rate is above the loan rate — and drags it below the cap rate when it isn’t.
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Estimates are for planning only and use simplified assumptions — not tax, legal, or investment advice. Verify with your lender, CPA, and a full broker analysis before acting.