Free Tool

Cash-on-Cash Return Calculator

Cash-on-cash return measures the annual income you earn relative to the actual cash you put into a deal — down payment, closing costs, and rehab. It's the most important metric for evaluating rental property returns.

Cash Invested

Income & Financing

Monthly Operating Expenses

Cash-on-Cash Return
2.1%
Weak
Total Cash Invested
$36,000
Down payment + closing + rehab
Monthly Cash Flow
$63
After all expenses + mortgage
Annual Cash Flow
$759
Cash flow × 12 months
Cap Rate
6.9%
NOI / Purchase Price (unleveraged)
P&I Payment
$682
30-year fixed mortgage
Total Monthly Expenses
$1,237
All costs including mortgage

Understanding Cash-on-Cash Return

Below 6%
Weak return. Consider whether the appreciation potential or other factors justify the deal.
6–10%
Acceptable. Good for appreciating markets or safer, stabilized assets in major metros.
10%+
Strong. Typical in cash flow markets like Cleveland, Memphis, Detroit, and Indianapolis.

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Verleon AI calculates cash-on-cash return on every listing. Filter by your minimum CoC target and see only deals that qualify.

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