Free tool

Cash-on-Cash Return Calculator

See the annual return on the actual cash you put into a rental, after the loan payment. Nothing is saved, and there is no signup wall.

Monthly rent ($)

Monthly operating expenses ($)

Taxes, insurance, maintenance, vacancy, management.

Monthly loan payment, P and I ($)

Total cash invested ($)

Down payment + closing costs + rehab.

How to read it

Cash-on-cash return is annual pre-tax cash flow divided by the cash you invested. It answers a simple question: what does each dollar you put in earn per year. A stabilized rental often runs 6 to 10 percent; below that the deal leans on appreciation, which is not guaranteed.

Confirm the loan covers itself with the DSCR calculator, then compare loan types in the DSCR guide.

See your real rate. Turn these numbers into a real quote. OfferMarket is an investor-focused loan marketplace for DSCR and bridge financing.

Check your rate on OfferMarket

Affiliate link; see our disclosure. Investor Loan Compass is not a lender.