Enter the purchase, the money you actually put in, and the operating numbers to see annual cash flow and cash-on-cash return.
Cash-on-cash return
6.11%
Purchase price
$400,000
Total cash invested
$95,000
Annual cash flow
$5,800
Monthly cash flow
$483.33
Excludes appreciation, principal paydown and tax effects — this is first-year cash return only.
Returns shown here exclude appreciation, loan principal paydown, tax effects and selling costs. They are a cash-on-cash snapshot for the first year at the inputs you entered, not a forecast.
Add this rental property to Ayillo
Then measure the return against real collected rent instead of a projection.
Total cash invested is down payment plus closing costs plus renovation. Annual cash flow is annual rental income minus operating expenses minus annual financing cost. Cash-on-cash return is annual cash flow divided by total cash invested.
That deliberately leaves out the parts of return that are not cash in your pocket this year: appreciation, principal paydown, and depreciation benefits. Those matter, but mixing them into one headline number hides what the property actually pays you.
Assumptions to state explicitly
The vacancy rate you assumed
Whether management is priced in
Whether reserves for roof, HVAC and turnover are included
Whether the rent is current actual rent or a projected market rent
Frequently asked questions
What is the difference between ROI and cap rate?
Cap rate ignores financing and measures the property. Cash-on-cash ROI includes your loan and measures your position in the deal.