Cash-on-Cash Return Calculator

Cash-on-Cash (CoC) return measures the pre-tax cash flow generated by an investment relative to the actual cash invested. It is the most practical metric for leveraged real estate.

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To calculate manually: CoC Return = (Annual Pre-Tax Cash Flow / Total Cash Invested) × 100

Total Cash Invested

Down Payment ($)

Closing Costs ($)

Rehab/Repairs ($)

Monthly Cash Flow

Gross Rent ($)

Expenses ($)

Mortgage (PITIA)

Total Cash In

Annual Cash Flow

CoC Return

0.00%

The Formula

CoC = Annual Cash Flow / Total Cash Invested

Cap Rate vs CoC

Cap Rate assumes you paid 100% in cash. Cash-on-Cash factors in your leverage (the mortgage). If your mortgage interest rate is lower than the Cap Rate, your CoC will be higher than your Cap Rate (Positive Leverage).