Use this real-estate calculation for a transparent preliminary valuation, financing, income, expense, area, tax, return, or market scenario with explicit dates and assumptions.

Annual cash flow

Annual pre-tax cash flow in US dollars.

Cash invested

Total cash invested (down payment plus costs) in US dollars.

Compute the pre-tax cash-on-cash return from annual pre-tax cash flow and total cash invested. The tool evaluates the supplied inputs together and returns the named outputs below; it does not infer omitted operating conditions or change the units shown.^[1]

CoC return

Cash-on-cash return in percent per year.

• Real properties differ in location, condition, leases, zoning, title, taxes, financing, vacancy, capital needs, environmental risk, and market liquidity. Forecasts and ratios are not appraisals, loan offers, tax opinions, or investment advice.
• Use finite inputs in the displayed units and preserve more precision than the final presentation requires. Independently verify safety-critical, financial, compliance, or production decisions.

Reconcile assumptions to leases, operating statements, surveys, tax records, lender terms, comparable evidence, and physical inspection; test downside scenarios and obtain qualified local advice.

• Return On Equity

  Annual after-debt cash flow as a percentage of invested equity; not an IRR.

• Return On Cost

  Stabilized annual NOI as a percentage of total project cost.

• Annual Debt Service

  Total scheduled annual debt payments from a constant monthly payment.