Connect acquisition cash, vacancy, operating costs, financing, and rent to pre-tax monthly cash flow and cash-on-cash return.
Change the inputs that matter to your decision. Optional assumptions stay collapsed until you need them.
Vacancy, maintenance, and management are kept visible because small changes can flip cash flow.
$424 monthly pre-tax cash flow on $94,000 of initial cash.
Moderate return. Review assumptions and upside potential before deciding.
| Income | $31,920 |
|---|---|
| Operating Expenses | -$9,768 |
| Debt Service | -$17,066 |
| Net Annual Cash Flow | $5,086 |
Cash-on-cash return focuses on annual pre-tax cash flow relative to cash invested. Also evaluate appreciation, taxes, and principal paydown when comparing deals.
Practical notes about the inputs, assumptions, and result.
The model includes the down payment, buyer closing costs, and initial repairs. It does not add future capital calls unless you include them in the assumptions.
Other tools in real estate & rent.
Estimate all-in monthly housing cost, upfront cash, lifetime interest, PMI, maintenance, and a housing-plus-debt ratio.
Check target rent against gross income, utilities, required housing costs, debt, and the monthly cash left over.
Estimate annual and periodic property tax from a local effective rate or a directional state reference, assessment ratio, and exemptions.